{
 "id": "13.5",
 "title": "Credits",
 "department": "Finance",
 "department_slug": "finance",
 "direction": null,
 "branded": false,
 "status": "draft",
 "owner": "Param",
 "last_verified": "Mon Oct 26",
 "holds": "Google credits, treg balance, Apify caps",
 "urls": {
  "html": "https://handbook.joinsquareup.com/finance/credits",
  "markdown": "https://handbook.joinsquareup.com/finance/credits.md",
  "json": "https://handbook.joinsquareup.com/finance/credits.json"
 },
 "other_directions": [],
 "tldr": {
  "headline": "Brew's prepaid balances, each dated, so read live before acting",
  "points": [
   {
    "icon": "money",
    "text": "Google GFS credit stood at $20,763 of $25,000 on 16 Oct, ending 19 May 2028."
   },
   {
    "icon": "warn",
    "text": "The Anthropic key ran dry on 20 Oct; production runs on Gemini."
   },
   {
    "icon": "clock",
    "text": "treg showed $8.40 on 14 Oct, so check the balance live."
   },
   {
    "icon": "box",
    "text": "Sloosh Pro had 530 credits on 17 Oct; Apify Starter was bought 23 Oct."
   },
   {
    "icon": "check",
    "text": "On the first Monday of each month, read every balance by hand."
   }
  ],
  "stat": {
   "value": "19 May 2028",
   "label": "Google credit ends"
  },
  "decide": "Top up Anthropic for production, or stay on Gemini Pro during the partnership?",
  "mood": "waiting"
 },
 "sources": [
  "brew origin/main a559de6: tools/prod-env.sh:9-11, deploy.sh:35-38, budget.js:13, shelf.js:69",
  "memory: brew-gemini-provider, brew-pro-switch-and-flush, treg-tool-catalog, treg-usage-rules, brew-apify-watch, brew-sloosh-finals, brew-viral-remakes, brew-higgsfield-wiring, brew-go-live-2026-10-17, brew-storage"
 ],
 "open_questions": [
  "**Top up Anthropic for production?** Proposal: not during the partnership; Plays stay on Gemini Pro on credits until a fair quality rerun shows Opus is worth the cost.",
  "**Does the GFS credit cover Claude on Vertex?** Proposal: ask Google for Startups in writing before any Claude on Vertex call.",
  "**Who reads the balances each month?** Proposal: Sai, on the first Monday, with the spend ledger."
 ],
 "parts": {
  "Answer": "The prepaid balances Brew runs on, Google credits, the treg balance, Apify, Sloosh and the Anthropic key, with what each covers and when it was last read; every balance here is dated, so read it live before acting on it.",
  "Today": "### Google Cloud\n\n| Credit | Balance | Covers | Ends | Source |\n|---|---|---|---|---|\n| 2024 GFS Cloud Program | $20,763 of $25,000 on 16 Oct | Vertex AI and the Gemini API | 19 May 2028 | [src: memory brew-gemini-provider] |\n| GenAI App Builder | ₹95,700 | Agent Builder and Search only | not recorded | [src: memory brew-gemini-provider] |\n| Billing account | SquareUp HQ, 0181C1-F9AFDF-237F26 | Cloud Run, Cloud SQL, storage and Vertex for project squareup-492617 | | [src: memory brew-gemini-provider] [src: brew/tools/prod-env.sh:4] |\n| Claude on Vertex | never used; unknown whether credits cover it | | | [src: memory brew-gemini-provider] |\n\nAbout $4,237 of the GFS credit had been used by 16 Oct across everything on the account; that is our arithmetic, $25,000 less $20,763 [src: memory brew-gemini-provider]. Cloud SQL was chosen over Supabase partly to stay on these credits [src: memory brew-storage].\n\n### treg\n\n| Fact | Source |\n|---|---|\n| Team squareup started on 8 Oct with $1.00 promo credit | [src: memory treg-tool-catalog] |\n| $7.84 on 14 Oct, then topped up to $8.40 the same day | [src: memory treg-tool-catalog] [src: memory treg-usage-rules] |\n| Live key since about 23 Oct: agent key brew-live, capped at 20,000 calls a day; the old key died | [src: memory brew-apify-watch] |\n| hello@ holds a separate team, squareup-2, with $1 | [src: memory brew-apify-watch] |\n| Brew spends at most $40 a day of treg on production | [src: brew/tools/prod-env.sh:9] |\n| Rule: check the balance live with the treg balance tool before saying it is empty | [src: memory treg-usage-rules] |\n\n### Others\n\n| Credit | Fact | Source |\n|---|---|---|\n| Apify | Starter plan bought on 23 Oct; key `APIFY_TOKEN`; Brew spends at most $10 a brand a month | [src: memory brew-apify-watch] [src: brew/shelf.js:69] |\n| Sloosh | Pro plan with 530 credits and a 50 a day agent limit on 17 Oct; daily limit raised to 200 on 21 Oct; Brew caps finals at 300 credits a day | [src: memory brew-go-live-2026-10-17] [src: memory brew-viral-remakes] [src: brew/budget.js:13] |\n| Anthropic | The key ran out of credit on 20 Oct at 07:50 IST; production runs on Gemini until it is topped up | [src: memory brew-pro-switch-and-flush] [src: brew/tools/prod-env.sh:9] |\n| Higgsfield | Keys go in only once both secrets exist; the Studio work is on a branch, not deployed | [src: brew/deploy.sh:36-37] [src: memory brew-higgsfield-wiring] |",
  "Tomorrow": "| Item | Version | Tag |\n|---|---|---|\n| A monthly read of every balance on this page | v1 | New |\n| Balances shown to the team on the ops page | v1 | New |\n| Credits stay an internal word; brands see money in a wallet | v1 | Stays [src: memory brew-pricing-parked] |",
  "How we do it": "1. On the first Monday of each month, read each balance by hand and update the tables with the date:\n   - Google: Cloud Console, Billing, Credits.\n   - treg: the treg balance tool, live.\n   - Apify: the Apify console, Billing.\n   - Sloosh: the workspace's billing page.\n   - Anthropic: the Anthropic console, Billing.\n2. Never call a billing API from a script for this page; read by hand.\n3. If a balance will not last the month at the current pace, tell Param the same day.",
  "Numbers": "| Metric | Definition | Where measured | Status |\n|---|---|---|---|\n| Google credit left | GFS credit balance in dollars | Cloud Billing credits | $20,763 on 16 Oct |\n| Google credit burn a month | Change in balance month to month | Same | Proposed, not read since 16 Oct |\n| treg balance | Dollars on team squareup | treg balance tool | $8.40 on 14 Oct, stale |\n| Sloosh credits left | Credits on the Pro plan | Sloosh billing | 530 on 17 Oct, stale |",
  "Open": "1. **Top up Anthropic for production?** Proposal: not during the partnership; Plays stay on Gemini Pro on credits until a fair quality rerun shows Opus is worth the cost.\n2. **Does the GFS credit cover Claude on Vertex?** Proposal: ask Google for Startups in writing before any Claude on Vertex call.\n3. **Who reads the balances each month?** Proposal: Sai, on the first Monday, with the spend ledger."
 }
}