> For the complete documentation index, see [llms.txt](https://puregamma-ai.gitbook.io/puregamma-ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://puregamma-ai.gitbook.io/puregamma-ai/ding-yue-yu-credits.md).

# 订阅与 Credits

## 套餐概览

| 套餐         | 定位 | 关键权益                              |
| ---------- | -- | --------------------------------- |
| Free       | 体验 | 基础行情与报告、体验 Credits                |
| Silver     | 个人 | 更多 Credits、完整 Agent 技能库           |
| Max        | 重度 | 高额度 Credits、iMessage Agent、更多数据范围 |
| Enterprise | 团队 | 定制额度、专属支持                         |

各套餐的每月 Credits 额度、Agent 每日运行上限与可用数据范围以订阅页实时显示为准(服务端为唯一权威来源)。

## Credits 怎么扣

| 操作         | 计费方式                     |
| ---------- | ------------------------ |
| 每日简报(手动生成) | 按任务固定费率;同一天重复生成命中缓存不重复扣费 |
| 事件报告       | 按任务固定费率;生成失败自动全额退款       |
| Agent 对话   | 按运行实际消耗,取消运行按已用量结算       |
| 秘书语音合成     | 每条 2–8 Credits(按文本长度)    |
| 回测运行       | 按任务固定费率                  |

计费采用**预授权 + 结算**机制:先冻结预估额度,任务完成后按实际结算,多退少补;失败自动退款。所有明细在账单历史中可查。

## 管理订阅

* 「订阅计费」页可查看当前套餐、Credits 余额与下期额度。
* 点击「管理订阅」跳转 Stripe 客户门户,可升级/降级/取消/更新支付方式。
* 支付状态以 Stripe Webhook 为准,页面状态有几秒级同步延迟属正常。

## 常见问题

* **402 错误**:Credits 不足。升级套餐或等待下月额度;语音等可选功能会明确提示并给出入口。
* **扣了费但任务失败**:系统会自动退款;若 10 分钟内未恢复,请带账单截图联系支持。
* **免费套餐能做什**么:体验完整产品流程(行情、日报、Agent 基础模型、秘书),额度用尽后可升级。


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# Agent Instructions
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## Querying This Documentation
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