Dashboard Lifetime is not a funded API wallet. The observed account was signed in as Admin, 套餐 Lifetime, member since Jul 2026, with 4 payments on the dashboard. GET /api/account/balance still returned $0.00 credits. billing_mode was metered_observe. wallet_policy was observe. spend_limit_minor was 0.
Those two screens can both be true at once. Do not send paid metered work because the dashboard says Lifetime. Read GET /api/account/balance. Surface $0.00 / observe / spend_limit_minor 0 到 the caller before quote on a metered slug.
What the dashboard showed, and what the API showed
Dashboard:
- signed in as Admin
- 终身
- member since Jul 2026
- 4 payments
API balance:
- credits_标签 $0.00
- available_credit_标签 $0.00
- net_balance_标签 $0.00
- billing_mode metered_observe
- wallet_policy observe
- spend_limit_minor 0
- spend_used_minor 0
The key used for that reading was created at https://swarme.io/dashboard?tab=developers. /dashboard/developers returns 404. Scopes included billing:read plus capabilities:read, capabilities:quote, capabilities:run, uploads:write, and artifacts:read. Spend limit 0 was the Workspace default on that key. The prefix looks like sk_sw_QdE8Xfgj.... Do not print a full key.
Unauthenticated balance is HTTP 401. That is missing auth, not an empty wallet. Unauthenticated quote is HTTP 419 (Your secure request token expired.). The login toast Your secure 表单 token expired. Please go back and try again. is a 表单 token. None of those codes funds the wallet.
Included still quotes at $0.00
A completed uuid-generator run on this account returned UUID 4cd3c7b6-0495-447a-8efd-9a1374f7599c at $0.00 included. The quote lock lasted 900 seconds. idempotency_required_for_client was true. Public 页面: https://swarme.io/工具/uuid-generator.
Included is not "skip quote." Docs at https://swarme.io/developers still list 搜索, Describe, Quote, Run. The $0.00 price 字段 is what you show the caller. Lifetime on the dashboard is not a substitute quote_id.
Do not treat the 4 dashboard payments as API credit. Those payments and credits_标签 $0.00 were simultaneous. A client that checks only the 套餐 name will queue metered work against an observe wallet with spend_limit_minor 0.
The UUID quote still required "client_type": "api" and the same input on run. If you wait more than 900 seconds, quote again, Lifetime or not. idempotency_required_for_client true is a second control. It does not 添加 credit.
Other completed slugs on the same wallet (accessibility-statement-generator, add-line-numbers, alphabetizer, article-rewriter-assistant, ascii-table-generator, base64-text-decoder) also completed. That list is not evidence that metered work would clear. It is evidence that included supported tools can finish while balance reads $0.00.
免费, 高级, and Lifetime are not the same axis
The catalog holds 1940 tools: 560 免费, 1380 高级. That 拆分 is access_level. Machine status is a different 拆分: 1491 describe_only, 439 supported, 10 requires_worker. Lifetime membership does not flip describe_only 到 supported. It does not raise spend_limit_minor from 0.
GET /api/capabilities still caps at 500. Category slugs such as web-seo, security-network, and ai-tools 页面 the directory. They do not 页面 money into the wallet.
MCP will report the same empty observe wallet if you ask it. POST https://swarme.io/mcp initialize (protocolVersion 2025-03-26) identified Swarme Capability MCP Alpha 2026.07.15-wallet-alpha. tools/list returned 22 tools, including an account-balance helper. Calling that helper is the check. Guessing from the Lifetime badge is not.
What 到 do before a paid run
- GET /api/account/balance with Bearer auth. Record credits_标签, billing_mode, wallet_policy, and spend_limit_minor.
- Describe the slug. If machine_run_status is describe_only, stop. A Lifetime badge will not execute it.
- Quote with the real input. If the price is $0.00 included, you still need quote_id and the 900-second window.
- If quote says payment is required and balance is $0.00 / observe, stop. Do not POST run 到 see what happens.
- If run returns HTTP 422, read the 字段 rule. Observed examples: Use labeled address lines in key: value 表单 or provide JSON., Domain must contain valid ASCII hostname labels., backlinks must contain between 1 and 1,000 records., Enter valid Base64URL input. Those are not wallet errors.
文件 tools stay on their own disclosure. pdf-到-word is client_browser with server_receives_文件_bytes false. merge-pdf is async_worker with server_receives_文件_bytes true. Lifetime does not change where bytes go. Review how 到 choose a secure 在线 文件 工具 before an 上传.
For an agent that is about 到 spend, pause on the quote. See AI 工具 routing. Confirmation should show the slug, the price or included policy, and the $0.00 observe wallet when that is what balance returned.
A one-line rule
Lifetime explains the dashboard 套餐. GET /api/account/balance explains spend. On this account they disagreed in a specific way: Admin plus Lifetime plus 4 payments plus member Jul 2026, and still $0.00 metered_observe with spend_limit_minor 0. Code 到 the balance endpoint.