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When you generate through MCP, unlimited benefits don’t apply and credits are deducted. Unlimited benefits apply only when you generate in the Carat app or website, either with the AI agent or in the [Generator(생성기)].
What is MCP? It’s the setup where you connect Carat to another AI tool, such as Claude or ChatGPT, and generate Carat images and videos from that tool’s chat window.

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Through MCP, even unlimited-eligible models deduct credits

Nano Banana, Z Image, Grok Imagine, ChatGPT Image, Carat Video (LTX) and any other model your account holds an unlimited benefit for still deduct credits when you generate them through MCP. The full list of unlimited-eligible models is in Unlimited benefit scope. The unlimited benefit is scoped to Carat app and website usage, so this is expected behavior, not an error or a temporary glitch.

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To use your unlimited benefit, generate in the Carat app or website

If your account holds an unlimited benefit, you can generate with an unlimited-eligible model without spending credits in the [Generator(생성기)] of the Carat app or website (accounts without an unlimited benefit, including the free plan, still pay the model’s credits there). The AI agent keeps the benefit too, but its conversation uses credits and Agent 2.0 needs the video model named explicitly, so the Generator is the safest route: on the web, click [Generator(생성기)] in the left side panel or go to carat.im/generator; in the app, go to [Home(홈)] then [Menu(메뉴)] (☰) at the top left, then [Generator(생성기)] (app version 2.281.0 or later). See Generate with unlimited models in the Generator for the full walkthrough.

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Does chatting through MCP use Carat credits?

Chatting in the Claude or ChatGPT window doesn’t cost Carat credits, because that conversation runs on Claude or ChatGPT. What can cost credits beyond generation is the Carat work MCP runs for you: planning, analysis, and production workflows. Turning your request into a generation plan (Plan Carat generation) or analyzing a file or image can deduct credits. Fetching a credit quote or a production guide on its own does not.

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How are MCP credits calculated?

MCP generation credits follow the rate of the model and options you use, and any partial discount that applies to that request is kept. Only unlimited and 100% discounts drop out, so it isn’t a flat list-price charge (with no applicable partial discount, the standard rate applies).
A quote covers the generation itself, so the planning and analysis work above, plus settlement based on actual usage after generation, can make the final deduction differ. Check what was actually charged under [My Credits(내 크레딧)] → [Usage History(사용 내역)].

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If MCP says you’re out of credits

MCP generations run on credits, so a request stops when your balance is below what the generation needs. Top up or change your plan on the My Credits(내 크레딧) page. If your account holds an unlimited benefit, switch to the [Generator(생성기)] in the Carat app or website and keep generating with an unlimited-eligible model there. Without an unlimited benefit (including the free plan), credits are required no matter where you generate.

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Check the benefits on your account

You can confirm whether your account holds an unlimited benefit below. Note that even an eligible account doesn’t get the benefit through MCP.
  • Website: the [Active benefits(받고 있는 혜택)] section on the My Credits(내 크레딧) page
  • App: [Profile(프로필)] → ☰ → [My Credits(내 크레딧)]

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Frequently asked

That deduction is correct. Unlimited benefits cover generation in the Carat app and website, with the AI agent or the [Generator(생성기)], and MCP usage sits outside that scope. If your account holds an unlimited benefit, generating the same model in the Carat app or website applies it again.
Yes. Unlimited Carat Video (LTX) applies when you generate in the Carat app or website, so generating video through MCP deducts credits. When you move to the AI agent, request “Use Carat Basic Video (LTX 2.5)” explicitly; without that, Agent 2.0 uses a Seedance-family model and credits are deducted.
Unlimited benefits are currently scoped to Carat app and website usage, so they don’t extend to MCP. The scope can change, so check what applies to you right now on the upgrade page or the My Credits(내 크레딧) page.

Unlimited benefit scope

Which models are unlimited and which deduct credits

Generate with unlimited models in the Generator

Keep your unlimited benefit in the app and web Generator

Credits are deducted even with an unlimited benefit

Every reason credits still come off an unlimited account

Plans

Compare credits and unlimited benefits by plan