> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zynfo.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# AI Credits and Token Usage Explained

> Understand how ZynfoAI consumes AI tokens and credits during knowledge ingestion, embedding, and when your agent generates chat responses to users.

# Credits and AI Tokens

ZynfoAI operates on a transparent, usage-based credit system. Every time your AI agent performs a cognitive action, a small amount of credits (AI Tokens) is consumed from your account balance.

## How Credits are Consumed

Credits are primarily utilized by two core system actions:

1. **Data Ingestion**: When you add a new URL or document to your Knowledge Base, the system uses tokens to read, chunk, and mathematically generate vector embeddings for that text.
2. **Chat Generation**: Every time a user asks a question, the AI agent uses tokens to run a semantic vector search and generate a highly accurate response using a Large Language Model (LLM).

## Monitoring Your Token Balance

Navigate to the **Credits** dashboard page (`/credits`) to:

* View your current available token balance.
* See your historical token usage trends.
* Set up low-balance email alerts so your AI agent never goes offline unexpectedly due to insufficient credits.

## Related Topics

* [Purchase Plan: Upgrade Your AI Agent Features](/billing/purchase-plan)