Credits

Credits are Minara's metering unit for AI usage. You spend credits whenever Minara's models do work for you: chat, research, scheduled analyses, API calls. Trades themselves are charged separately as trading fees, not in credits.

How you get credits

Credits come with a Minara subscription. Each paid plan tops up your balance on its renewal cycle, and annual billing is available.

If your subscription expires, your balance resets to the Free plan's 300 credits.

Plans

Individual plans are available from the Manage dialog (top-right account menu in the web app, or ask Minara in chat to "manage credits"):

Plan	Price	Credits	Active workflows	Agent	Notes
Free	$0	300	—	—	—
Lite	$19 / mo	1,400	5	Smarter Agent	190 bonus Sparks
Starter	$49 / mo	4,000	20	Smarter Agent	Standard priority; 490 bonus Sparks
Pro	$199 / mo	20,000	50	Smartest Agent	API access; higher priority; 1,990 bonus Sparks

All paid plans include unlimited Copilot and Autopilot, custom strategy deploy and run, and full feature access. Business plans are available in the same dialog under the Business tab.

Bonus Sparks are a separate reward currency for ecosystem perks (badges, NFT whitelists, event entry).

What consumes credits

• Chat queries, research reports, and Crypto Picks.

• Workflow nodes marked with the Minara logo ("Minara Call" nodes). Other workflow components such as price-alert triggers and conditions run on the backend and do not consume credits.

• Scheduled analyses. Each scheduled run consumes credits, so pick a frequency that matches how often you actually need fresh output.

• All Agent API calls authenticated with an API key.

What doesn't consume credits

• The trades themselves. Trading is metered as trading fees, separately from credits.

• Wallet operations: deposits, withdrawals, balance checks.

• Price-alert monitoring, which runs on Minara's backend rather than as AI queries.

When credits run out

For Agent API requests, calls pause until your balance is replenished, either at your next renewal or after upgrading your plan.

Refunds and plan changes

Can I get a refund?

Subscription fees are charged at the start of each billing cycle and are not refundable, except where required by applicable law. Top-Up Credits are also non-refundable and do not carry over to the next billing cycle.

How do I downgrade my plan?

Open the Manage dialog (top-right account menu, or ask Minara "manage credits") and select a lower plan. The change takes effect at the start of your next billing cycle. Until then, you keep full access to your current plan's features.