> ## Documentation Index
> Fetch the complete documentation index at: https://apidocs.mor.org/llms.txt
> Use this file to discover all available pages before exploring further.
# Credits & Billing
> Learn how to obtain and manage credits for the Morpheus Inference API
# Credits & Billing
To use the Morpheus Inference API, you need credits. All credits and billing are denominated in **USD amounts**. This page explains how to obtain credits, how they are consumed, and how your daily credit allowance is calculated.
***
## Accessing Billing
To manage your credits, go to [app.mor.org](https://app.mor.org) and click the **Billing** tab in the left sidebar.
The Billing page shows your **Available Credit** (pre-paid balance) and **Daily API credit remaining** (staking allowance), along with options for adding funds and managing your staking connection.
***
## How to Obtain Credits
There are two ways to acquire credits:
Buy credits directly with a credit card or cryptocurrency. Credits are added to your **Available Credit** balance immediately.
Stake MOR tokens to earn a **Daily Credit Allowance** that refreshes every day at midnight UTC.
***
## Option A: Purchasing Credits
You can purchase credits directly from the **Add Funds** section on the Billing page. Two payment methods are available:
* **Credit Card** — Powered by Stripe
* **Pay with Crypto** — Powered by Coinbase Commerce
Purchased credits are added to your **Available Credit** balance and do not expire.
***
## Option B: Staking MOR for Daily Credits
You can earn a daily credit allowance by staking MOR tokens into the **Morpheus Marketplace API** builder subnet. This gives you a recurring daily credit allocation without purchasing credits directly.
### Step 1: Stake MOR Tokens
Go to the [Morpheus Marketplace API builder subnet on the Morpheus Dashboard](https://dashboard.mor.org/builders/morpheus-marketplace-api?subnet_id=0x415471125cc4d03b89818acb8426981fa28a3eee03a9097176297a9a6ae87c8d\&network=Base) and stake your MOR tokens.
### Step 2: Connect Your Wallet
Once you have staked in the subnet, return to the Billing page on [app.mor.org](https://app.mor.org). In the **Staking Status** section, connect the same wallet you used to stake and assign it to your Morpheus account.
After connecting, your daily credit allowance will appear under **Daily API credit remaining** on the Billing page.
***
## Check Credits via API
You can check your credit balance and usage programmatically with your API key (`Authorization: Bearer sk-xxxxxx`).
Remaining credits, daily allowance, and pre-paid balance.
Detailed per-request usage charges with token breakdown.
Monthly spending rollups for dashboards and monitoring.
Full ledger history — purchases, usage, refunds, and adjustments.
Quick example — check remaining credits:
```bash theme={null}
curl https://api.mor.org/api/v1/billing/balance \
-H "Authorization: Bearer sk-your-api-key"
```
Key response fields:
| Field | Description |
| ---------------------- | ------------------------------- |
| `total_available` | Total spendable credits |
| `staking.available` | Daily staking credits remaining |
| `staking.daily_amount` | Total daily allowance |
| `paid.available` | Pre-purchased credits remaining |
See the [Billing API Reference](/api-reference/billing/balance) for all endpoints.
***
## Credit Usage Order
By default, the API will **first consume your Daily Credit Allowance** from staking. Once your daily allowance is fully exhausted, pre-paid credits from your **Available Credit** balance will begin being used — but only if you have enabled the **Allow Overages** toggle.
| Priority | Credit Source | Description |
| -------- | ---------------------- | --------------------------------------------------------------------------------------- |
| 1st | Daily Credit Allowance | Free daily credits earned from staking MOR |
| 2nd | Available Credit | Pre-paid credits (used only when daily allowance is exhausted and overages are enabled) |
If **Allow Overages** is disabled (the default), only your Daily Staking Allowance will be used. Once it runs out, API requests will stop working until the next daily refresh. Enable **Allow Overages** if you want pre-paid credits to kick in automatically.
***
## How Daily Credit Allowance is Calculated
Your daily credit allowance from staking is derived by three factors:
1. **Your stake** — The amount of MOR you have staked in the Morpheus Marketplace API builder subnet.
2. **Total stake** — The total amount of MOR staked by all users in all builder subnets.
3. **MOR token price** — The current market price of the MOR token in USD.
### The Calculation
Your daily credit allowance is proportional to your **share** of the total stake in the builder protocol, adjusted with the current MOR token price:
```
Daily Credit Allowance (USD) = (Your MOR Staked / Total MOR Staked) × Daily Credit Pool
```
The **Daily Credit Pool** is derived from the builder subnet's rewards, priced in USD using the current MOR token market price.
### Refresh Schedule
Credits are **calculated and refreshed daily at midnight UTC**. Your allowance will be **recalculated at the next refresh period** (midnight UTC) according to your stake, the total staked amount and changes to the price of MOR.
**Key points:**
* Staking more MOR increases your share and therefore your daily allowance.
* If other users stake or unstake, your proportional share (and allowance) will change at the next refresh.
* MOR token price fluctuations affect the USD value of your daily allowance.
* Changes to your stake are **not reflected immediately** — they take effect at the next midnight UTC refresh.
***
## Next Steps
Check remaining credits via the API.
See per-model pricing and rate limits to estimate your credit usage.
Make your first API request with code examples.