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AI credits and limits

How NeoKivo's AI usage is metered: a monthly allowance, top-up credits (not yet on sale during the private beta), and what's unmetered.

Updated 2026-10-11

Copilot chat draws from a pool of AI credits. Every activated workspace gets a monthly allowance; credit top-ups are not available during the private beta. Usage and remaining credits are always visible in Settings → Billing.

The included allowance

Activated workspaces get a monthly pool of credits, scaled by seat count, that resets at the start of each calendar month. Unused credits do not roll over. Workspaces that have not been activated have no included credits.

Buying more

Credit packs are not on sale during the private beta, so there is no self-serve way to add credits. If you run past the included pool, write to hello@neokivo.com. Credits held from an earlier purchase sit on top of the monthly pool and never expire on their own.

Purchased credits are non-refundable, and they cannot be used while your workspace is read-only.

What's metered, what isn't

FeatureUses credits?
Copilot chat (⌘J panel, inline deal draft/brief)Yes
Suggested next actions on HomeNo — included; not credit-metered (daily cap applies)

A harder question that needs deeper analysis costs more credits than a simple lookup — Copilot shows "Using enhanced analysis…" when this happens. Every chat request debits the pool first, then the purchased wallet once the pool is spent for the period.

Read-only workspaces

If your workspace goes read-only — for example, one that has not been activated yet — the AI assistant is paused entirely, regardless of any credits you have. Activating the workspace restores access and any remaining credits resume where they left off.

Checking your usage

Settings → Billing shows how many credits you've used this period against your included pool, any credits held in reserve from an earlier purchase, a daily usage chart, and when the pool next resets.

Spotted something out of date? Email hello@neokivo.com.