Credits explained

Clipie uses a single credit unit across all models and job types. Every mutation to your balance ends up inbilling.credit_ledger, keyed by idempotency so replays are safe.

Lifecycle

1. hold — estimated cost locked when you submit. If balance - held < estimate, the submit fails with 402.
2. commit — on success, actual cost is committed. If actual < hold, the difference releases back automatically.
3. refund — on failure, full hold releases back.

Reading your ledger

GET /v1/billing/ledger?cursor=… returns your rows newest-first. Each row carries a reason (hold / commit / refund / topup / subscription) and a ref_id pointing at the job, Stripe event, or gift.