AI billing: own key or wallet

The AI agent can be paid for in two ways — pick the convenient one in AI settings.

1. Own key. You connect the provider's API key, and requests are billed directly with them at their rates. Orax doesn't charge for tokens — you pay the provider. Good if you already have an OpenAI/Anthropic/DeepSeek/GigaChat account.
2. Pay via wallet. No key needed — token spend is charged from your Orax wallet. Handy if you don't want to set up a provider account.

Limits and overspend protection (for wallet mode):

• An hourly and daily spend limit (in cents).
• A limit on the number of agent runs per day.
• Per run — a cap on steps and tokens.

When a limit is hit the agent reports “quota exceeded” — that's protecting your budget.

Where to set it: AI settings in the service's file manager. The agent's mode is chosen there too — read-only, with confirmation, or autonomous.