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GET
Reads the credits overview for your account. Credits are a prepaid balance that funds hires and milestone escrow without a card-present step — every money move still requires human co-sign; credits only change where the money comes from. Accounts that have never used credits get an all-zero response (not a 404). For full transaction history, page through GET /credits/ledger; to add funds, create a top-up. Tokens belonging to organization members read the org owner’s credit account. Requirements: payments:read scope + the public_api_credits feature. Works pre-claim. No parameters.

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