# Credits & Billing

_LOFTai › Account & Billing_

## Overview

When generation runs on Loft's keys, it's billed against your **credit** balance. The header shows a credits chip; click it to open your wallet.

## The Wallet

The credit audit modal shows:

-   Your current balance
-   Recent spend
-   A grant/spend statement from the authoritative credit ledger
-   Click any generation charge to open its queue item in the pane on the right — model, prompt, parameters, timing and outputs
-   A "Manage billing" button that opens the portal billing page

## How credits work

Behind the scenes Loft stores real dollar costs and presents them as credits. Monthly plans grant credits into your ledger; each Loft-keys generation deducts from your balance. BYOK generations run on your own provider account and don't draw Loft credits.

## Seats — who may create and generate

Credits are what your organization may _spend_; a **seat** is who may _act_. Each member holds at most one paid seat, assigned by the organization owner from the seats the organization has bought. Without a seat you can browse, view, comment and annotate, but not run generation — and you can create only one project.

A seat is a separate thing from a role. Being an admin, or even the owner, does not grant one: ownership says what you're allowed to do, a seat says what has been paid for. An owner who provisions the whole team and forgets to assign themselves a seat hits the same limits as anyone else.

## "You need a seat to create a project"

Creating a project past the free allowance of one requires a paid seat. If you hit that message, the dialog tells you which case you're in:

-   Your organization has unassigned seats — nothing to buy. The owner assigns one to you on the organization page in the portal.
-   No seats are free — an owner can add one from Plans & Billing; anyone else needs to ask the owner.

The limit lifts as soon as the seat is assigned; nothing needs to be recreated.

Note: Credits are the header/wallet display; the **Costing** page shows the same spend broken down by service, asset, model, and month in dollars.