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This page covers plans, credits, and billing for a personal workspace. Prices, benefits, credits, and billing or refund paths can differ for a team workspace. For team guidance, see Get started with team plans and Manage team billing, seats, and credits.
All interactions with Carat AI in the Carat app and website are paid AI services, so usage is deducted even for text-only conversations. Even if you have unlimited image or video generation, conversations with the AI agent are charged separately. MCP (Carat connected to Claude or another AI tool) works differently: chatting in the Claude window costs no Carat credits, but asking Carat to do work can deduct credits for the generation and for the planning and analysis Carat runs. See Unlimited benefits don’t apply through MCP for details.

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Conversation models

Free accounts chat with Carat 2.0 Lite, which is not offered to paid subscribers. Auto and other conversation models, such as GPT and Claude, are available according to your account’s access. If selecting a listed model opens a subscription page, your current plan does not provide access. See Conversation model selection for instructions. Conversation credits vary with the model and request. Auto also uses conversation credits; unlimited image or video benefits do not make conversation free.

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Usage deduction rules and types

  • Applies to: All interactions with AI, including general text conversations, Q&A, advice, and information searches.
  • Consumption level: How much is deducted varies widely with the length and complexity of the conversation. The agent doesn’t just reply; it interprets your request and performs reasoning and tasks, so a single request can deduct credits several times over. Agent 2.0 in particular uses more credits for reasoning, tasks, and conversation than Agent 1.0.

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Unlimited benefits and chat

Unlimited promotions apply only to specific image and video generation models: images such as Nano Banana basic and Z-Image, and for video the Carat Video (LTX) model. Advanced external video models such as Google Veo, Kling, and Seedance 2.0 are not covered and deduct credits. (Seedance 2.0 mini is the exception: unlimited for a set period from the payment date (1 day on Premium, 3 days on Max, 7 days on Pro) on Premium, Max, and Pro accounts that subscribed or upgraded to annual during the promotion window). Conversations with the AI agent use an LLM (large language model), so they are also not covered by unlimited benefits.

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When credits are exhausted

For free users, once all credits are exhausted, chatting with Carat AI is no longer available. To continue using the service, please upgrade your plan or recharge additional credits. Conversations use credits because the agent reasons through your request before it answers. If your credits run out completely, conversations may become hard to continue, so recharge your credits or upgrade your plan. (If you only need to keep generating unlimited images or videos, use the Generator(생성기). It lets you pick a model and generate without a conversation, so it doesn’t use conversation credits: on the web, open [Generator(생성기)] in the left side panel or go to carat.im/generator; in the app, go to [Home(홈)] → top-left [Menu(메뉴)] (☰) → [Generator(생성기)], on app version 2.281.0 or later.)

AI agent conversation credits in detail

Per-model conversation credits and how to save them

Unlimited but credits are deducted

Why credits can still be deducted during unlimited use