One wallet that pays for question generation and spoken commentary, refilled every month by your plan.
Brain Credits are the currency for the platform's generation features. Generating trivia questions spends credits, and live commentary spends credits. Browsing questions, building and scheduling games, and the free clarifying chat in the Event Builder all cost nothing.
Every plan comes with a monthly stipend of credits that refills on the first of each month. If you need more before the reset, you can buy credit packs that top up the same wallet. You spend from your monthly stipend first, then from any packs.
Your wallet has two pools: a monthly allotment set by your plan, and a pack balance you can add to at any time. The monthly pool resets to your plan's allotment on the first of the month. The pack pool carries over: packs never expire and are not wiped by the monthly reset.
When a generation or commentary call runs, the cost is drained from your monthly pool first and only dips into packs once the monthly pool is empty. That order means your recurring stipend gets used before the credits you paid extra for.
One credit covers about 0.5 cents of generation cost, so roughly 200 credits per dollar of true spend. Costs are rounded up to whole credits, and any charge is at least one credit.
Four things spend from the wallet. Generating questions (whether from the question tools or inside the Event Builder) charges for the work the model does. Live commentary during an auto hosted game charges a small amount per line, and spoken voice reads that same commentary aloud. Smart grading of short answers charges a small amount when an answer needs a fuzzy judgment call, and that applies in hand-run games too, not just Auto Host. The Event Builder's karaoke setlist tailor pass charges once per curation.
Running Auto Host with commentary switched off, playing practice games, the instant setlist builder, and the back and forth clarifying chat that shapes an event all spend zero credits. Hand-run games cost nothing either, unless a short answer needs the fuzzy grading judgment described above.
Once you have used 80 percent of your monthly allotment, the wallet reads as near its soft cap and the credit pill in the header turns amber as a heads up and stays amber once the wallet is empty. The Event Builder's own credit pill goes one step further and turns red when you are out.
Generation checks your balance before it starts. If you cannot cover the estimated cost, the request stops before any model runs and shows you the upgrade and pack options instead. You never get charged for work that could not complete.
The top plans come with an unlimited monthly allotment. On an unlimited plan the wallet stops counting: generation and commentary run without drawing down a balance, and the app shows the wallet as unlimited rather than a progress bar. The soft cap warning and the empty wallet block never apply.
Credit packs land in the pack pool, which is spent after the monthly pool and never reset, so a pack you buy this month is still there next month.
A tier change updates your monthly allotment but does not wipe the credits you have already used this cycle, so a mid month change cannot retroactively over grant.