Credit System – Usage Guide

Xelta runs on a single, simple currency: Credits. Every image, video, voiceover, edit, avatar, ad, or workflow generated on Xelta draws from one Credit balance, rather than being billed separately per model or feature. The heavier the job — longer video, higher resolution, more advanced model — the more Credits it costs.

Each user has one running Credit balance. Credits from a subscription plan, a Pay-As-You-Go top-up, and free bonus credits all sit in the same pot — there is no separate wallet for each type, and free credits can be spent alongside paid credits in the same generation.

Credits are non-transferable and have no cash value outside the platform.

Xelta's core commercial model is subscription-based, with a Flexible Pay-As-You-Go option for users who don't want a recurring plan. Bonus credits are also granted automatically in specific cases. The table below consolidates every way a user can receive credits.

• Subscription Credits — How It's Received: Allocated automatically each billing period on a paid plan (Social Media Starter, Premium, Creator Pro). Renewal / Term: Renews each billing cycle. Notes: Xelta's primary, default way of accessing credits.
• Pay-As-You-Go Packs — How It's Received: Purchased directly in fixed packs (₹249 → 2,400 / ₹599 → 6,000 / ₹1,199 → 12,000 credits). Renewal / Term: One-time purchase. Notes: Usable across all creative flows, incl. Microdrama, Promo-Teaser & Comic generation.
• Signup Bonus — How It's Received: Granted automatically once, when the account is created. Renewal / Term: One-time grant. Notes: 300 credits; usable alongside any other credits.
• Community Bonus — How It's Received: Granted once for joining the Xelta community. Renewal / Term: One-time grant. Notes: 1,000 credits.
• Promotional Credits — How It's Received: Occasionally granted at Xelta's discretion (offers, campaigns, loyalty rewards). Renewal / Term: Set individually per offer. Notes: Terms disclosed at the time each promotion is issued.
• Refund Credits — How It's Received: Returned if a paid generation technically fails, or a payment is reversed. Renewal / Term: Case-by-case. Notes: See Section 8 — Failed Generations & Refunds.

3.1 Monthly Subscription Plans

3.2 Pay-As-You-Go Top-Up Packs

3.3 Free Bonus Credits

4.1 The Currency Rate

4.2 How Many Credits Your Money Buys

4.3 The Headline Number for a Public Credits Page

Any action that asks Xelta's AI models to generate or process output consumes credits. Credit cost is set independently per model — the same type of generation (e.g. an image) can cost a different number of credits depending on which model is selected.

• AI image generation (text-to-image, editing) — Uses Credits: Yes. What Determines Cost: Model chosen; output settings (reference images, upscaling).
• AI video generation (text-to-video, image-to-video) — Uses Credits: Yes. What Determines Cost: Model, duration, resolution, and reference inputs.
• AI audio & voice generation — Uses Credits: Yes. What Determines Cost: Model and length/complexity of the audio.
• Voice Dub / Lip Sync — Uses Credits: Yes. What Determines Cost: Length of the source video and the model used.
• AI Avatars (Gen Avatar) — Uses Credits: Yes. What Determines Cost: Avatar model and output settings.
• AI Ads (Instant Ad, Ad Maker, Prime Ad, Street Ad, UGC Ads, Giant Ads, URL to Ads) — Uses Credits: Yes. What Determines Cost: Ad format, length, and underlying generation model(s).
• Editing tools (Magic Cut, Video Stitching, Background Remover, VFX, Motion Control) — Uses Credits: Yes. What Determines Cost: Complexity of the edit and processing model used.
• Workflow-based flows (Microdrama, Comic Flow, Movie Trailer, Microcourse, Cinematic Studio) — Uses Credits: Yes. What Determines Cost: Reflects the underlying models/outputs used within the workflow.
• Reference video/audio inputs during a generation — Uses Credits: Yes — at a separate rate. What Determines Cost: Billed at the video-input rate, in addition to base generation cost (confirmed on Seedance 2.5).
• Output format or bitrate choice (e.g. MP4 vs MOV, Standard vs High bitrate) — Uses Credits: No, in at least one confirmed case. What Determines Cost: Seedance 2.5 states Bitrate Mode 'does not affect price'.

The safest general rule: if a button says 'Generate,' it will show an estimated credit cost before you click it.

5.1 How the Cost Is Calculated

5.2 Cost Transparency Before Generating

Both source documents agree that credits do not have a hard expiry date. However, they describe monthly roll-over behavior differently, and this should be resolved before publishing a public-facing page:

⚠ Unresolved conflict between source documents — resolve before publishing

• Plain Guide (internal): unused subscription credits DO carry over — when a plan renews, new credits are added on top of whatever is left; nothing is wiped.

• Credit Usage Page draft (public-facing): states subscription credits do NOT roll over — each new cycle starts with a fresh allocation, not a running total.

• Both sources agree that Pay-As-You-Go and bonus/free credits never expire and simply remain until spent.

• Recommendation: confirm actual system behavior with engineering/payments before this page goes live, since this materially affects what users are promised.

• Do unused subscription credits carry to next month? — Plain Guide (internal): Yes — added on top of what's left. Usage Page Draft (public): No — fresh allocation each cycle.

• Do top-up credits expire? — Plain Guide (internal): No — stay until used. Usage Page Draft (public): No — remain in balance until spent.

• Do bonus/free credits expire? — Plain Guide (internal): No. Usage Page Draft (public): No — usable alongside other credits.

• Do credits disappear on cancellation? — Plain Guide (internal): Not today — they stay in the balance. Usage Page Draft (public): Not directly addressed.

In either version, Xelta's roll-over policy is more generous on the 'credits never expire' point than some competitors (e.g. Higgsfield wipes unused plan credits every month). This was never a formal, documented decision on the internal side, and it is not stated to users anywhere outside these drafts — worth confirming before publication.

• Card / online subscriptions: each renewal grants the current published credit amount for that plan. If the credit amount for a plan changes, online renewals pick up the new number automatically.
• Apple and Google (in-app) subscriptions: each renewal grants the credit amount that was set when the user first subscribed. If the plan's credits change, these users keep the old amount until their subscription is updated.

If a generation fails because of a technical fault on Xelta's side — a server error, a timeout with no output, a crashed job, or a platform outage — the credits deducted for that failed generation are restored to the balance. This applies whether Xelta's own monitoring detects the failure automatically or the user reports it.

Credits are not restored for a generation that completes and returns output, even if the user is unhappy with the result or simply changes their mind. A generation correctly blocked by content-moderation checks before it starts doesn't deduct credits in the first place, so there's nothing to restore.

Refund automation gap (internal): this is not yet an automatic, guaranteed 'within minutes' process — it currently depends on the failure being reported back. If a payment is reversed or a subscription is cancelled/refunded, the credit side is handled through subscription records. Credits have no cash value and are not converted back into money.

If a user believes a failed generation didn't refund credits automatically, they can contact Xelta support with their account email, the generation ID or timestamp, and a short description of what happened.

9.1 Credit Balance

9.2 Usage History

At a zero credit balance, a user cannot start new generations — the platform dynamically blocks generation requests once the balance is insufficient to cover the estimated cost. To continue creating, a user can:

• Purchase a Pay-As-You-Go credit pack, or
• Upgrade their subscription plan — additional credits and features start instantly upon upgrading, rather than waiting for the next billing cycle, or
• Wait for the next subscription billing cycle to allocate fresh credits

Enterprise arrangements: organizations with a Memorandum of Understanding (MOU) or order form with Xelta are provisioned credits and usage terms according to that agreement, rather than the standard consumer options above.

• One balance per user; all credit types share it.
• Three monthly plans (Starter, Premium, Creator Pro), three top-up packs, and two one-time bonuses. No yearly plan.
• A permanent 60% discount applies to all plans, in both India and USD pricing — the discounted price is the real price.
• A subscription and a top-up are the same value: $1 = 1,000 credits / ₹1 = 10 credits — the number to use on a public credits page.
• Roll-over behavior needs confirmation (see Section 6) before this becomes a public page.