Usage is money per currency, no credits; login asks for memory

The login asks the server for the memory scope in place of library (the
server accepts both; library is no longer offered for new tokens).

/v1/usage is read in the server's 2.0 shape: no plan, balance, credit
costs or windows. The status bar shows what the month has cost so far and
/usage the month's tokens and cost and this device's tokens, each
currency's amount on its own (month.cost_by_currency, else cost_money in
currency). The credit wording is gone.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

CHANGELOG.md

@@ -25,6 +25,12 @@ instruction file on the way down to where it was started. Harness spec 3.0.0.
 - **Memory is the server's**, shared with your chats there (when the login's token may reach it):
   the `memory` tool and the memory in the prompt. Notes, knowledge bases and skills stay on this
   machine.
+- **Logging in asks for the `memory` scope** in place of `library`; a login made before keeps
+  working with the one it has.
+- **Usage is money, not credits.** The status bar shows what the month has cost so far, and
+  `/usage` the month's tokens and cost and this device's tokens — each currency's amount on its
+  own (`€2.00 · $0.75`), never added together. Plans, balances, rolling windows and the
+  `unlimited` of an administrator are gone with the server's credits.
 - **Instruction files stack.** Every `AGENTS.md` (or `CLAUDE.md`) from the project root down to the
   working directory goes to the model, outermost first — not only the nearest one.
 - **Tool results are kept short when they come in, and never changed afterwards**, so the server's

src/acp/agent.ts

@@ -578,7 +578,7 @@ export class AcpAgent {
     const mode = L ? clampMode(wanted ?? L.maxMode, L.maxMode) : wanted
     const session: Session = { id: "", cwd, prompting: false, app: undefined as unknown as App, turns: new TurnLog() }
     // No model-made title: the client names its own conversations (LLeMbas has its chat's), and a
-    // title request would be a second call on the account's credits for nothing.
+    // title request would be a second call the account pays for, for nothing.
     // The chat's model and effort: `lembas_model` is the instance's own name for it, the
     // one its /v1 serves; `model` a ref of this machine's, for an editor that knows them. A session
     // the client opens on its model runs on that model and no other (spec 3.0.0): one this device

src/app.ts

@@ -294,7 +294,8 @@ export function createApp(o: AppOptions): App {
   let contextFrom = "the instance"
 
   // library: lembas — the account's library through the instance's /mcp, in place of this
-  // machine's. Needs the one instance logged in to, with a token that has the library scope.
+  // machine's. Needs the one instance logged in to, with a token that has the memory scope (or
+  // the older library).
   const lembasLibrary = memoryOnServer ? lembasLibraryServer(loaded.warnings) : undefined
   if (lembasLibrary) loaded.mcp[LIBRARY_SERVER] = lembasLibrary
   // Without a way to the server's memory, this machine's is used for now.

src/cli.ts

@@ -71,7 +71,7 @@ Local mode:
                                   it. Your logins and connections.yaml are read, never written; your
                                   config.yaml is not read (the local one is used; lembas -l config set
                                   … writes it). A LLeMbas instance is used only for its models, chat,
-                                  speech in and out (/v1/audio) and the balance: no link, /remote or
+                                  speech in and out (/v1/audio) and the usage: no link, /remote or
                                   service, no sessions or deletes sent to it, no server library,
                                   search, fetch or embeddings, no account personalization, and no
                                   self-update. The instance still records the usage of each request,

src/config/load.ts

@@ -403,7 +403,7 @@ export function loadConfig(opts: { projectConfigDir?: string; trusted?: boolean
     config = { ...config, search: sr }
   }
 
-  // Local mode: an instance serves models, chat, speech and the balance, and nothing that is kept
+  // Local mode: an instance serves models, chat, speech and the usage, and nothing that is kept
   // or shown there — no search or fetch through it, no embeddings, no library, no personalization
   // (the local keys apply) — and the whole hardline stays.
   if (isLocal()) config = localOnly(config, connections, warnings)

src/lembas/client.ts

@@ -170,7 +170,7 @@ export interface DeviceStart {
   interval: number
 }
 
-export async function startDevice(d: Discovery, tls: Tls | undefined, scopes = ["models", "library", "link"]): Promise<DeviceStart> {
+export async function startDevice(d: Discovery, tls: Tls | undefined, scopes = ["models", "memory", "link"]): Promise<DeviceStart> {
   const res = await call(
     d.login.device.code,
     {
@@ -282,27 +282,25 @@ export async function signOut(baseUrl: string, token: string, tls: Tls | undefin
   }
 }
 
-/** GET /v1/usage: the account's credits this month, and this device's share. Every
- *  number is null on an instance that keeps no credits or plans. */
+/** GET /v1/usage, as the server's 2.0 answers it: counting and money, no credits. `plan`,
+ *  `balance`, `balance_money`, the credit `cost` fields and `device.cost_money` are null and
+ *  `windows` empty there; they are not read. */
 export interface Usage {
-  plan: { name: string; credits_per_month: number } | null
-  balance: number | null
-  /** `cost` null where the instance keeps no credits. */
-  month: { from: string; tokens_in: number; tokens_out: number; cost: number | null; cost_money?: number | null }
-  device: { tokens_in: number; tokens_out: number; cost: number | null; cost_money?: number | null }
-  unit: string
-  // Every one optional: an instance may have none of them.
-  /** The money credits are counted in: "EUR", "USD" or "GBP". */
+  month: {
+    from: string
+    tokens_in: number
+    tokens_out: number
+    /** What the month cost in `currency` — null when it is in more than one currency. */
+    cost_money?: number | null
+    /** The month's cost per currency, `{ USD: 1.25, EUR: 0.4 }`: never added together. */
+    cost_by_currency?: Record<string, number>
+  }
+  device: { tokens_in: number; tokens_out: number }
+  /** The currency `month.cost_money` is in. */
   currency?: string
-  /** What one credit is worth, in `currency`. */
-  credit_value?: number | null
-  /** An administrator: no limit, never refused — the spend is still counted. */
+  /** An administrator of the instance. */
   admin?: boolean
-  /** The balance in `currency`. `month.cost_money`, `device.cost_money` likewise. */
-  balance_money?: number | null
-  /** Rolling spending windows (e.g. five hours, a week): how much of each is used, and when the
-   *  oldest of it frees again. */
-  windows?: { window: string | number; limit: number | null; spent: number; frees_at?: string | null }[]
+  unit?: string
 }
 
 /** The usage, or undefined from an instance that does not have the endpoint. */

src/lembas/login.ts

@@ -24,8 +24,9 @@ export interface Instance {
   /** The instance's own name (Example). */
   instance_name?: string
   ca?: string
-  /** What the token may do, as the instance granted it: `library` in it makes the account's
-   *  library the default. An older login has none recorded until it is made again. */
+  /** What the token may do, as the instance granted it: `memory` in it (or the older `library`)
+   *  makes the account's memory the default. An older login has none recorded until it is made
+   *  again. */
   scope?: string
   /** The link protocols the instance listed when last asked: at login, and again at every
    *  dial of the link, so an instance updated later is picked up. */

src/lembas/personal.ts

@@ -7,8 +7,9 @@
 //   personality, personality_custom, instructions — from GET /v1/me/personalization when the
 //     instance has it `available` (its administrator allows it); /settings writes them back there
 //     with PUT. Read with the models at every start (webui.ts) and kept in the same cache.
-//   library — with no `library:` written anywhere, a login whose token has the `library` scope
-//     means the account's library (`lembas`); `library: local` written keeps this machine's.
+//   library — with no `library:` written anywhere, a login whose token has the `memory` scope
+//     (or the older `library`) means the account's memory (`lembas`); `library: local` written
+//     keeps this machine's.
 import { existsSync, readFileSync } from "node:fs"
 import { isLocal } from "../config/paths.ts"
 import type { Config } from "../config/schema.ts"
@@ -88,13 +89,7 @@ export async function accountUsage(timeoutMs?: number): Promise<{ connection: st
 
 const n = (x: number) => Math.round(x).toLocaleString("en")
 
-/** Credits as a person reads them: two decimals where the number is small enough for them
- *  to matter (a balance of 3.47 is not "3"), whole above a thousand, as before. */
-export function credits(x: number): string {
-  return x.toLocaleString("en", { maximumFractionDigits: Math.abs(x) < 1000 ? 2 : 0 })
-}
-
-/** An amount in the instance's currency: `€1.23`, `$1.23`, `£1.23` — or "" without one. */
+/** An amount in a currency: `€1.23`, `$1.23`, `£1.23` — or "" without one. */
 export function money(x: number | null | undefined, currency: string | undefined): string {
   if (x === null || x === undefined || !Number.isFinite(x) || !currency) return ""
   try {
@@ -105,41 +100,35 @@ export function money(x: number | null | undefined, currency: string | undefined
   }
 }
 
-/** A credit amount's money, as the instance gave it, else from what a credit is worth. */
-function moneyOf(u: Usage, given: number | null | undefined, amount: number | null | undefined): string {
-  if (given !== null && given !== undefined) return money(given, u.currency)
-  if (amount === null || amount === undefined || typeof u.credit_value !== "number") return ""
-  return money(amount * u.credit_value, u.currency)
+/** The month's cost, one amount per currency (`€2.00 · $0.75`) — never two currencies added
+ *  together — or "" when nothing was priced. */
+export function monthCost(u: Usage | undefined): string {
+  const by = u?.month?.cost_by_currency
+  if (by && typeof by === "object" && !Array.isArray(by)) {
+    const parts = Object.entries(by)
+      .filter(([, v]) => typeof v === "number" && v > 0)
+      .sort(([a], [b]) => a.localeCompare(b))
+      .map(([code, v]) => money(v, code))
+      .filter(Boolean)
+    return parts.join(" · ")
+  }
+  const one = u?.month?.cost_money
+  return typeof one === "number" && one > 0 ? money(one, u?.currency) : ""
 }
 
-const withMoney = (text: string, m: string) => (m ? `${text} (${m})` : text)
-
-/** The status bar's word: the balance, when the account has a plan, with its money when the
- *  instance says it; `unlimited` for an administrator; "" otherwise. */
-export function balanceLabel(u: Usage | undefined): string {
-  if (u?.admin === true) return "unlimited"
-  if (!u?.plan || u.balance === null || u.balance === undefined) return ""
-  return withMoney(`${credits(u.balance)} ${u.unit || "credits"}`, moneyOf(u, u.balance_money, u.balance))
+/** The status bar's word: what the month has cost so far, per currency; "" when nothing was
+ *  priced or the instance cannot say. */
+export function spendLabel(u: Usage | undefined): string {
+  const cost = monthCost(u)
+  return cost ? `${cost} this month` : ""
 }
 
 /** /usage: the detail, in lines. */
 export function usageLines(connection: string, u: Usage): string[] {
-  const unit = u.unit || "credits"
-  const amount = (c: number | null | undefined, m: number | null | undefined) => (c !== null && c !== undefined ? ` — ${withMoney(`${credits(c)} ${unit}`, moneyOf(u, m, c))}` : m !== null && m !== undefined ? ` — ${money(m, u.currency)}` : "")
-  const head = u.admin === true
-    ? `${connection}: unlimited (administrator)`
-    : `${connection}: ${u.plan ? `plan ${u.plan.name}, ${n(u.plan.credits_per_month)} ${unit} a month` : "no plan"}${u.balance !== null && u.balance !== undefined ? ` · balance ${withMoney(`${credits(u.balance)} ${unit}`, moneyOf(u, u.balance_money, u.balance))}` : ""}`
-  const out = [head]
+  const out = [u.admin === true ? `${connection} (administrator)` : connection]
   const since = u.month?.from ? u.month.from.slice(0, 10) : "the start of the month"
-  if (u.month) out.push(`this month (since ${since}): ${n(u.month.tokens_in)} tokens in, ${n(u.month.tokens_out)} out${amount(u.month.cost, u.month.cost_money)}`)
-  if (u.device) out.push(`this device: ${n(u.device.tokens_in)} in, ${n(u.device.tokens_out)} out${amount(u.device.cost, u.device.cost_money)}`)
-  // The rolling windows: an administrator has none that bind, so none are listed.
-  if (u.admin !== true)
-    for (const w of Array.isArray(u.windows) ? u.windows : []) {
-      if (!w || typeof w.spent !== "number") continue
-      const frees = typeof w.frees_at === "string" && w.frees_at ? `, frees from ${w.frees_at.slice(0, 16).replace("T", " ")}` : ""
-      const of = typeof w.limit === "number" ? ` of ${credits(w.limit)}` : ""
-      out.push(`window ${w.window}: ${credits(w.spent)}${of} ${unit} spent${frees}`)
-    }
+  const cost = monthCost(u)
+  if (u.month) out.push(`this month (since ${since}): ${n(u.month.tokens_in)} tokens in, ${n(u.month.tokens_out)} out${cost ? ` — ${cost}` : ""}`)
+  if (u.device) out.push(`this device: ${n(u.device.tokens_in)} in, ${n(u.device.tokens_out)} out`)
   return out
 }

src/project/local.ts

@@ -6,7 +6,7 @@
 // What it reads from outside: only the login — the user's connections.yaml, lembas.json and the key
 // files they name — read-only, so the connections and sign-ins work without being copied. The
 // user's config.yaml is not read; the local one is this mode's global config. A LLeMbas instance
-// is used for models, chat, speech in and out, and the balance, and for nothing that is kept there
+// is used for models, chat, speech in and out, and the usage, and for nothing that is kept there
 // or shown there: no link, no shared sessions, no deletes sent, no server library, no search or
 // fetch through it, no embeddings through it, no account personalization.
 import { chmodSync, existsSync, mkdirSync } from "node:fs"

src/tui/app.tsx

@@ -323,20 +323,20 @@ export function Root(p: { app: Runtime; view: View; theme: Theme; onQuit: () =>
 
   // The web UI as a second keyboard on this session: shared through the service by itself,
   // or by name with /remote. What it sends runs here as if typed, and is shown as such.
-  // The account's balance in the status bar, when it has a plan: read at the start and
-  // after a reply, at most once a minute; an instance that cannot say leaves nothing there.
-  const [credits, setCredits] = createSignal("")
-  let creditsAt = 0
-  const readCredits = (force = false) => {
-    if (!force && Date.now() - creditsAt < 60_000) return
-    creditsAt = Date.now()
-    void import("../lembas/personal.ts").then((m) => m.accountUsage(5000).then((r) => setCredits(m.balanceLabel(r?.usage)))).catch(() => {})
+  // What the account's month has cost, in the status bar: read at the start and after a reply,
+  // at most once a minute; an instance that cannot say, or nothing priced, leaves nothing there.
+  const [spend, setSpend] = createSignal("")
+  let spendAt = 0
+  const readSpend = (force = false) => {
+    if (!force && Date.now() - spendAt < 60_000) return
+    spendAt = Date.now()
+    void import("../lembas/personal.ts").then((m) => m.accountUsage(5000).then((r) => setSpend(m.spendLabel(r?.usage)))).catch(() => {})
   }
-  readCredits(true)
-  app.bus.on((e) => e.type === "task" && e.state === "end" && readCredits())
-  cmd.setCredits = (text: string) => {
-    creditsAt = Date.now()
-    setCredits(text)
+  readSpend(true)
+  app.bus.on((e) => e.type === "task" && e.state === "end" && readSpend())
+  cmd.setSpend = (text: string) => {
+    spendAt = Date.now()
+    setSpend(text)
   }
 
   const share = new Share(app, {
@@ -641,7 +641,7 @@ export function Root(p: { app: Runtime; view: View; theme: Theme; onQuit: () =>
           </Show>
           <Queued />
           <Prompt focused={() => !dialog() && !jobPanel() && !view.state.pending && !view.state.question && !view.state.plan} busy={busy} commands={palette} files={files} onSubmit={submit} ref={(r) => (input = r)} queue={queueAccess} onWheel={(dir, lines) => scroll?.scrollBy(dir * lines)} onBackground={backgroundNow} />
-          <StatusBar mode={mode} model={model} effort={effort} branch={branch()} voice={voiceStatus} flash={flashText} remote={() => (rev(), share.label())} credits={credits} />
+          <StatusBar mode={mode} model={model} effort={effort} branch={branch()} voice={voiceStatus} flash={flashText} remote={() => (rev(), share.label())} spend={spend} />
         </box>
         <Show when={dialog()}>
           <Dialog spec={dialog()!} close={() => setDialog(undefined)} />

src/tui/commands.ts

@@ -56,8 +56,8 @@ export interface CommandCtx extends Ctx {
   quit(): void
   /** Start again: the binary on disk now, the config read afresh, this session. */
   reload(): void
-  /** The status bar's balance, as /usage just read it. */
-  setCredits?(text: string): void
+  /** The status bar's month's cost, as /usage just read it. */
+  setSpend?(text: string): void
   /** Open a command job's live output (components/jobview.tsx). */
   openJob(id: string): void
   /** Enter a subagent job: its transcript in place of the session's, the prompt box sends to it. */
@@ -865,14 +865,14 @@ export const COMMANDS: Command[] = [
   },
   {
     name: "usage",
-    description: "your account's credits on the LLeMbas instance: plan, balance, this month, this device",
+    description: "your account's usage on the LLeMbas instance: this month's tokens and cost, this device's tokens",
     async run(c) {
       // /v1/usage of the account this machine is logged in to.
-      const { accountUsage, balanceLabel, usageLines } = await import("../lembas/personal.ts")
+      const { accountUsage, spendLabel, usageLines } = await import("../lembas/personal.ts")
       try {
         const r = await accountUsage()
         if (!r) return c.view.info("no usage to show — not logged in to one LLeMbas instance (/login), or it does not keep any")
-        c.setCredits?.(balanceLabel(r.usage))
+        c.setSpend?.(spendLabel(r.usage))
         c.view.info(usageLines(r.connection, r.usage).join("\n"))
       } catch (e) {
         c.view.info(`/usage: ${(e as Error).message}`, "warn")

src/tui/components/status.tsx

@@ -22,7 +22,7 @@ export function jobsWord(jobs: { state: string; unread: number; unseen?: boolean
  *  for a moment, a flash (a copy) in their place. The jobs word sits on the right, which is never
  *  truncated: at 80 columns a long project name cuts the left short, and a running job is the one
  *  thing that must stay visible. */
-export function StatusBar(p: { mode: () => string; model: () => string; effort: () => string; branch?: string; voice?: () => string; flash?: () => string | undefined; remote?: () => string; credits?: () => string }) {
+export function StatusBar(p: { mode: () => string; model: () => string; effort: () => string; branch?: string; voice?: () => string; flash?: () => string | undefined; remote?: () => string; spend?: () => string }) {
   const { theme, view, app } = useTui()
   const c = () => theme().colors
   const modeColor = () => ({ manual: c().statusText, edit: c().statusGood, auto: c().statusCritical, plan: c().info })[p.mode() as keyof typeof MODE_LABEL] ?? c().statusText
@@ -52,7 +52,7 @@ export function StatusBar(p: { mode: () => string; model: () => string; effort:
           <text wrapMode="none">
             <span style={{ fg: jobsWord(view.state.jobs).endsWith("!") ? c().statusWarn : c().statusText }}>{jobsWord(view.state.jobs) ? `${jobsWord(view.state.jobs)} · ` : ""}</span>
             <span style={{ fg: c().statusDim }}>{view.state.rate ? `${Math.round(view.state.rate)} tok/s · ` : ""}</span>
-            <span style={{ fg: c().statusText }}>{p.credits?.() ? `${p.credits()} · ` : ""}</span>
+            <span style={{ fg: c().statusText }}>{p.spend?.() ? `${p.spend()} · ` : ""}</span>
             <span style={{ fg: ctx().color }}>{ctx().text}</span>
             <span style={{ fg: c().statusDim }}> · </span>
             <span style={{ fg: c().info }}>{isLocal() ? "local " : ""}</span>

tests/lembas-login.test.ts

@@ -88,7 +88,7 @@ function lembas(o: Partial<Pick<Fake, "approveAfter" | "deny" | "protocol" | "mo
       if (u.pathname === "/api/device/code") {
         const body = (await req.json()) as Record<string, string>
         expect(body.client_id).toStartWith("lembas-cli ")
-        expect(body.scope).toBe("models library link")
+        expect(body.scope).toBe("models memory link")
         return Response.json({ device_code: "dev-123", user_code: "CDFG-HJKM", verification_uri: `${base}/device`, verification_uri_complete: `${base}/device?code=CDFG-HJKM`, expires_in: 600, interval: 1 })
       }
       if (u.pathname === "/api/device/token") {

tests/personal.test.ts

@@ -9,7 +9,7 @@ import { createApp } from "../src/app.ts"
 import { loadConfig } from "../src/config/load.ts"
 import { paths } from "../src/config/paths.ts"
 import { personalization, savePersonalization, usage, type Personalization, type Usage } from "../src/lembas/client.ts"
-import { accountUsage, balanceLabel, defaultLibrary, usageLines } from "../src/lembas/personal.ts"
+import { accountUsage, defaultLibrary, spendLabel, usageLines } from "../src/lembas/personal.ts"
 import { fetchWebui } from "../src/lembas/webui.ts"
 import { fakeProvider, type Fake } from "./fake-provider.ts"
 
@@ -28,7 +28,8 @@ let model: Fake | undefined
 function instance(o: Partial<Pick<Instance, "usage" | "personal" | "forbid">> = {}): Instance {
   const state: Instance = {
     url: "",
-    usage: o.usage === undefined ? { plan: { name: "Hobbit", credits_per_month: 5000 }, balance: 1234.4, month: { from: "2026-10-01T00:00:00Z", tokens_in: 120000, tokens_out: 30000, cost: 3765.6 }, device: { tokens_in: 1000, tokens_out: 500, cost: 20 }, unit: "credits" } : o.usage,
+    // The server's 2.0 answer: the credit fields null, `windows` empty, money per currency.
+    usage: o.usage === undefined ? ({ plan: null, balance: null, balance_money: null, month: { from: "2026-10-01T00:00:00Z", tokens_in: 120000, tokens_out: 30000, cost: null, cost_money: 3.7656, cost_by_currency: { USD: 3.7656 } }, device: { tokens_in: 1000, tokens_out: 500, cost: null, cost_money: null }, windows: [], currency: "USD", admin: false, unit: "money" } as Usage) : o.usage,
     personal: o.personal === undefined ? { enabled: true, available: true, personality: "funny", personality_custom: "", instructions: "Answer in Slovak." } : o.personal,
     puts: [],
     forbid: o.forbid ?? false,
@@ -82,27 +83,26 @@ afterEach(() => {
   rmSync(join(paths.state, "webui"), { recursive: true, force: true })
 })
 
-test("/v1/usage: read, as a balance for the status bar and lines for /usage", async () => {
+test("/v1/usage: read, as the month's cost for the status bar and lines for /usage", async () => {
   inst = instance()
   const u = await usage(inst.url, "lmb_key", undefined)
-  expect(u?.plan?.name).toBe("Hobbit")
-  expect(balanceLabel(u)).toBe("1,234 credits")
+  expect(spendLabel(u)).toBe("$3.77 this month")
   expect(usageLines("example", u!)).toEqual([
-    "example: plan Hobbit, 5,000 credits a month · balance 1,234 credits",
-    "this month (since 2026-10-01): 120,000 tokens in, 30,000 out — 3,766 credits",
-    "this device: 1,000 in, 500 out — 20 credits",
+    "example",
+    "this month (since 2026-10-01): 120,000 tokens in, 30,000 out — $3.77",
+    "this device: 1,000 in, 500 out",
   ])
-  // Costs null (an instance without credits): the tokens alone.
-  expect(usageLines("example", { ...u!, plan: null, balance: null, month: { ...u!.month, cost: null }, device: { ...u!.device, cost: null } })).toEqual([
-    "example: no plan",
+  // Nothing priced: the tokens alone, and nothing in the status bar.
+  const free: Usage = { ...u!, month: { ...u!.month, cost_money: 0, cost_by_currency: {} } }
+  expect(usageLines("example", free)).toEqual([
+    "example",
     "this month (since 2026-10-01): 120,000 tokens in, 30,000 out",
     "this device: 1,000 in, 500 out",
   ])
-  // No plan, or an instance without credits: nothing in the status bar.
-  expect(balanceLabel({ ...u!, plan: null })).toBe("")
-  expect(balanceLabel({ ...u!, balance: null })).toBe("")
+  expect(spendLabel(free)).toBe("")
+  expect(spendLabel(undefined)).toBe("")
   loggedIn(inst)
-  expect((await accountUsage())?.usage.balance).toBe(1234.4)
+  expect((await accountUsage())?.usage.month.tokens_in).toBe(120000)
 })
 
 test("an instance without the endpoints: no usage, no personalization, no error", async () => {
@@ -206,31 +206,19 @@ test("opted out on the web, or a preset the CLI does not know: setting one key h
   await app.close()
 })
 
-test("money beside the credits, two decimals where they matter, and an administrator unlimited", () => {
-  const base: Usage = { plan: { name: "Hobbit", credits_per_month: 5000 }, balance: 3.456, month: { from: "2026-10-01T00:00:00Z", tokens_in: 1000, tokens_out: 200, cost: 12.5 }, device: { tokens_in: 10, tokens_out: 5, cost: 0.25 }, unit: "credits" }
-  // An older instance: credits alone, now with their decimals.
-  expect(balanceLabel(base)).toBe("3.46 credits")
-  const eur: Usage = { ...base, currency: "EUR", credit_value: 0.01, balance_money: 0.03, month: { ...base.month, cost_money: 0.13 }, device: { ...base.device, cost_money: null } }
-  expect(balanceLabel(eur)).toBe("3.46 credits (€0.03)")
-  expect(usageLines("example", eur)).toEqual([
-    "example: plan Hobbit, 5,000 credits a month · balance 3.46 credits (€0.03)",
-    "this month (since 2026-10-01): 1,000 tokens in, 200 out — 12.5 credits (€0.13)",
-    // No money sent for it: worked out from what a credit is worth.
-    "this device: 10 in, 5 out — 0.25 credits (€0.00)",
-  ])
-  expect(balanceLabel({ ...base, currency: "USD", balance_money: 1.5 })).toBe("3.46 credits ($1.50)")
-  expect(balanceLabel({ ...base, currency: "GBP", balance_money: 1234.5, balance: 123456 })).toBe("123,456 credits (£1,234.50)")
-  // An administrator: unlimited, plan or not, and the month's spend still listed.
-  const admin: Usage = { ...eur, plan: null, balance: null, admin: true, windows: [{ window: "5h", limit: 100, spent: 50, frees_at: null }] }
-  expect(balanceLabel(admin)).toBe("unlimited")
-  expect(usageLines("example", admin)).toEqual([
-    "example: unlimited (administrator)",
-    "this month (since 2026-10-01): 1,000 tokens in, 200 out — 12.5 credits (€0.13)",
-    "this device: 10 in, 5 out — 0.25 credits (€0.00)",
-  ])
-  // Windows: spent, of what, and when it frees.
-  expect(usageLines("example", { ...base, windows: [{ window: "5h", limit: 200, spent: 150.25, frees_at: "2026-10-09T14:05:00Z" }, { window: "week", limit: null, spent: 900 }] }).slice(3)).toEqual([
-    "window 5h: 150.25 of 200 credits spent, frees from 2026-10-09 14:05",
-    "window week: 900 credits spent",
+test("money per currency, never added together, and no credit wording", () => {
+  const base: Usage = { month: { from: "2026-10-01T00:00:00Z", tokens_in: 1000, tokens_out: 200, cost_money: null, cost_by_currency: { USD: 0.75, EUR: 2 } }, device: { tokens_in: 10, tokens_out: 5 }, currency: "USD", unit: "money" }
+  // Two currencies: each its own amount, `cost_money` null.
+  expect(spendLabel(base)).toBe("€2.00 · $0.75 this month")
+  expect(usageLines("example", base)).toEqual([
+    "example",
+    "this month (since 2026-10-01): 1,000 tokens in, 200 out — €2.00 · $0.75",
+    "this device: 10 in, 5 out",
   ])
+  // One currency, as `cost_money` alone (no breakdown sent): in `currency`.
+  expect(spendLabel({ ...base, currency: "GBP", month: { ...base.month, cost_money: 1234.5, cost_by_currency: undefined } })).toBe("£1,234.50 this month")
+  // An administrator is said so; the spend is the same.
+  const admin: Usage = { ...base, admin: true }
+  expect(usageLines("example", admin)[0]).toBe("example (administrator)")
+  for (const line of [...usageLines("example", admin), spendLabel(admin)]) expect(line).not.toMatch(/credit|balance|plan|unlimited|window/)
 })