@clawpump/claw-agent 0.1.4 → 0.1.6

package/agent/agent/credits_tracker.py

@@ -0,0 +1,794 @@
+"""Credits tracking for Nous inference API responses.
+
+Parses x-nous-credits-* (and optional x-nous-tool-pool-*) headers from
+inference responses into a validated CreditsState dataclass.  Provides
+depletion detection (paid_access), subscription-cap used_fraction, and
+warn-once schema-version gating.  This is the hardened parser used by all
+live consumers (run_agent, tui_gateway) — not a dev-only shim.
+
+Header schema (x-nous-credits-* family):
+    x-nous-credits-version                    contract/schema version
+    x-nous-credits-remaining-micros           total remaining balance (micros)
+    x-nous-credits-remaining-usd              same, formatted USD string
+    x-nous-credits-subscription-micros        subscription balance (SIGNED; may be negative/debt)
+    x-nous-credits-subscription-usd           same, formatted USD string
+    x-nous-credits-subscription-limit-micros  subscription cap (PAIRED/optional)
+    x-nous-credits-subscription-limit-usd     same, formatted USD string (PAIRED/optional)
+    x-nous-credits-rollover-micros            rolled-over balance (micros)
+    x-nous-credits-purchased-micros           purchased balance (micros)
+    x-nous-credits-purchased-usd              same, formatted USD string
+    x-nous-credits-denominator-kind           "subscription_cap" | "none"
+    x-nous-credits-paid-access                "true" | "false" (STRING!)
+    x-nous-credits-disabled-reason            reason string (header omitted when null)
+    x-nous-credits-as-of-ms                   server-side timestamp (ms epoch)
+
+Tool-pool headers use a SEPARATE prefix:
+    x-nous-tool-pool-micros                   tool-pool balance (micros)
+    x-nous-tool-pool-gated-off                "true" | "false" (STRING!)
+
+Money is handled as micros ints only; *_usd values are preserved verbatim as
+the raw strings the server sent (never re-parsed to float).
+"""
+
+from __future__ import annotations
+
+import logging
+import os
+import re
+import time
+from dataclasses import dataclass
+from typing import Any, Mapping, Optional
+
+from utils import is_truthy_value
+
+logger = logging.getLogger(__name__)
+
+# Warn-once latch: emit the version-unsupported warning at most once per process.
+_version_warning_emitted: bool = False
+
+# Valid denominator kinds (exhaustive set from the API contract).
+_VALID_DENOMINATOR_KINDS = frozenset({"subscription_cap", "none"})
+
+# USD format: optional leading minus, one-or-more digits, dot, exactly 2 digits.
+_USD_RE = re.compile(r"^-?\d+\.\d{2}$")
+
+
+# ── Internal helpers ─────────────────────────────────────────────────────────
+
+
+_SENTINEL = object()  # singleton sentinel for "parse failed"
+
+
+def _safe_int(value: Any) -> Any:
+    """Parse a header value to an exact int (money-safe).
+
+    The contract guarantees every ``*_micros`` field is an integer string —
+    we parse with ``int()`` directly, NOT ``int(float(...))``, to avoid float-
+    precision loss above 2**53 that would silently corrupt large money values.
+
+    Returns the parsed int, or ``_SENTINEL`` if the value is not a valid integer
+    string (including float-shaped strings like "1.5").  The sentinel lets callers
+    detect the failure and return None from the overall parse (fail-hard-on-bad-
+    input, not silently coerce).
+    """
+    if value is None:
+        return _SENTINEL
+    try:
+        return int(str(value))
+    except (TypeError, ValueError):
+        return _SENTINEL
+
+
+
+def _validate_usd(value: Optional[str]) -> bool:
+    """Return True iff value is a non-None string matching ^-?\\d+\\.\\d{2}$."""
+    if value is None:
+        return False
+    return bool(_USD_RE.match(value))
+
+
+# ── CreditsState dataclass ───────────────────────────────────────────────────
+
+
+@dataclass
+class CreditsState:
+    """Full credits state parsed from x-nous-credits-* response headers."""
+
+    version: int = 0
+    remaining_micros: int = 0
+    remaining_usd: str = ""
+    subscription_micros: int = 0  # SIGNED — may be negative (debt). ONLY field allowed negative.
+    subscription_usd: str = ""
+    subscription_limit_micros: Optional[int] = None  # PAIRED + OPTIONAL (only when subscription_cap)
+    subscription_limit_usd: Optional[str] = None
+    rollover_micros: int = 0
+    purchased_micros: int = 0
+    purchased_usd: str = ""
+    tool_pool_micros: int = 0
+    tool_pool_gated_off: bool = False
+    denominator_kind: str = "none"  # "subscription_cap" | "none"
+    paid_access: bool = True  # depletion keys off THIS == False, NEVER remaining==0
+    disabled_reason: Optional[str] = None  # header omitted entirely when null
+    as_of_ms: int = 0
+    captured_at: float = 0.0  # time.time() when this was captured
+    from_header: bool = False  # True only when populated by parse_credits_headers()
+
+    @property
+    def has_data(self) -> bool:
+        return self.captured_at > 0
+
+    @property
+    def age_seconds(self) -> float:
+        if not self.has_data:
+            return float("inf")
+        return time.time() - self.captured_at
+
+    @property
+    def depleted(self) -> bool:
+        """True when the account has lost paid access.
+
+        Keyed off ``paid_access == False`` ONLY — never ``remaining_micros == 0``,
+        which would give a false positive whenever the balance is zero but access
+        is still live (e.g. subscription renewal pending).
+        """
+        return not self.paid_access
+
+    @property
+    def used_fraction(self) -> Optional[float]:
+        """Fraction of the subscription cap consumed, in [0.0, 1.0].
+
+        Computable only when ``subscription_limit_micros`` is a truthy (non-zero,
+        non-None) int.  Guarded on the LIMIT FIELD, not ``denominator_kind`` —
+        the limit field is the real denominator; ``denominator_kind`` is metadata.
+        Returns None when there is no computable denominator (no limit, or limit==0).
+        """
+        if not isinstance(self.subscription_limit_micros, int):
+            return None
+        if self.subscription_limit_micros <= 0:
+            return None
+        used = self.subscription_limit_micros - self.subscription_micros
+        return max(0.0, min(1.0, used / self.subscription_limit_micros))
+
+
+# ── Credits policy constants ─────────────────────────────────────────────────
+# Switching credits notices from sticky→TTL later would also require wiring a
+# paired *_TTL_MS companion for each notice kind — the field exists on AgentNotice
+# but is not yet plumbed through the policy loop.
+
+CREDITS_NOTICE_KIND = "sticky"      # v1: credits notices are sticky
+CREDITS_RESTORED_TTL_MS = 8000     # the only TTL notice in v1 (depletion-recovery confirmation)
+
+# Usage-gauge bands (ascending). Each is (threshold_fraction, level, label_pct).
+# The notice shows the HIGHEST band the current used_fraction has reached — a single
+# escalating status-bar line (50 → 75 → 90), not three stacked notices. Crossing the
+# next band up replaces the line; recovering below a band steps it back down. Edit
+# this list to retune the bands; the policy derives everything from it.
+CREDITS_USAGE_BANDS: tuple[tuple[float, str, int], ...] = (
+    (0.50, "info", 50),
+    (0.75, "warn", 75),
+    (0.90, "warn", 90),
+)
+CREDITS_USAGE_KEY = "credits.usage"  # single key for the escalating usage notice
+
+
+# ── AgentNotice (out-of-band notice payload; driver-agnostic) ────────────────
+
+
+@dataclass
+class AgentNotice:
+    """A structured, driver-agnostic out-of-band notice.
+
+    The agent fires these via ``AIAgent.notice_callback`` (and clears them via
+    ``notice_clear_callback``); each driver renders it its own way — the TUI as a
+    status-bar override, the CLI as a console line, etc. v1 credits notices are all
+    ``kind="sticky"``; ``kind``/``ttl_ms`` are kept fully expressive so a future
+    config/slash-command can switch them to TTL without touching the policy (a
+    single default seam — see L4).
+    """
+
+    text: str
+    level: str = "info"            # info | warn | error | success
+    kind: str = "sticky"           # sticky | ttl
+    ttl_ms: Optional[int] = None   # honored only when kind == "ttl"
+    key: Optional[str] = None      # dedupe / fired-once-latch / clear key
+    id: Optional[str] = None
+
+
+# ── is_free_tier_model (local-data-only free-model check) ────────────────────
+
+
+def is_free_tier_model(model: str, base_url: str = "") -> bool:
+    """Return True when *model* is a Nous free-tier model, using ONLY local data.
+
+    Two signals, both zero-network:
+
+    1. The ``:free`` suffix — the canonical Nous free SKU marker (e.g.
+       ``nvidia/nemotron-3-ultra:free``). Free by construction on the API side
+       (spend is forced to 0 for ``:free`` ids).
+    2. A peek into the in-process pricing cache in ``hermes_cli.models``
+       (populated when the model picker fetched ``/v1/models`` pricing for
+       *base_url*). PEEK ONLY — a cache miss never triggers a fetch. This is
+       CLI/TUI-session best-effort: gateway sessions never run the picker's
+       pricing fetch, so suppression there rests entirely on the ``:free``
+       suffix (which all Nous free SKUs carry).
+
+    Fail-open to False (the depleted notice still shows) on any error: wrongly
+    showing the warning is recoverable noise; wrongly hiding it on a paid model
+    would mask a real billing block.
+    """
+    if not model:
+        return False
+    if model.endswith(":free"):
+        return True
+    if not base_url:
+        return False
+    try:
+        from hermes_cli.models import _is_model_free, _pricing_cache
+
+        # Mirror get_pricing_for_provider's key normalization: the agent's
+        # Nous base_url is /v1-suffixed (https://inference-api.nousresearch.com/v1)
+        # but the picker keys _pricing_cache on the pre-/v1 root.
+        key = base_url.rstrip("/")
+        if key.endswith("/v1"):
+            key = key[:-3].rstrip("/")
+        pricing = _pricing_cache.get(key)
+        if not pricing:
+            return False
+        return _is_model_free(model, pricing)
+    except Exception:
+        return False
+
+
+# ── evaluate_credits_notices (pure reconciliation function) ──────────────────
+
+
+def evaluate_credits_notices(
+    state: CreditsState,
+    latch: dict,
+    *,
+    model_is_free: bool = False,
+) -> tuple[list[AgentNotice], list[str]]:
+    """Reconcile credits notices against the latch. Mutates ``latch`` IN PLACE.
+
+    latch = {"active": set[str], "seen_below_90": bool, "usage_band": Optional[int]}.
+
+    ``model_is_free``: True when the session's active model is a Nous free-tier
+    model (see :func:`is_free_tier_model`). Suppresses the ``credits.depleted``
+    notice — a depleted account on a free model can keep inferencing, so the
+    error banner is noise (and confuses free-tier users who never had credits).
+    Suppression does NOT emit the "restored" success notice; that fires only on
+    a genuine ``paid_access`` flip back to True.
+
+    Returns ``(to_show: list[AgentNotice], to_clear: list[str])``.
+    Caller emits to_clear FIRST, then to_show.
+
+    Pure function — no I/O, no agent/run_agent imports.
+    """
+    to_show: list[AgentNotice] = []
+    to_clear: list[str] = []
+
+    uf = state.used_fraction
+
+    # Crossing latch: once we've observed uf below the LOWEST band, escalating
+    # usage notices may fire. This prevents a brand-new session that opens
+    # mid-range from firing spuriously on the first observation (the cold-start
+    # seed primes this explicitly when it WANTS an open-high warning).
+    _lowest_band = CREDITS_USAGE_BANDS[0][0]
+    if uf is not None and uf < _lowest_band:
+        latch["seen_below_90"] = True  # gate opened: usage-band notices may now fire
+
+    active = latch["active"]
+
+    # ── Conditions ───────────────────────────────────────────────────────────
+    # Highest band whose threshold the current usage has reached (None below all).
+    current_band: Optional[tuple[float, str, int]] = None
+    if uf is not None:
+        for band in CREDITS_USAGE_BANDS:  # ascending → last match wins = highest
+            if uf >= band[0]:
+                current_band = band
+    # Top-up suppression: when the account holds purchased (top-up) credits,
+    # the subscription-cap gauge is the wrong denominator — warning "90% used"
+    # at a user sitting on $50 of top-up is noise (and it previously stuck
+    # PERMANENTLY alongside grant_spent at >=100%). Suppress the usage band
+    # entirely; the cap-reached case is covered by the grant_spent info notice
+    # below, which already names the remaining top-up balance. A top-up landing
+    # mid-session flips current_band → None and the clear path below removes
+    # any showing band line.
+    if state.purchased_micros > 0:
+        current_band = None
+    grant_cond = (
+        state.denominator_kind == "subscription_cap"
+        and uf is not None
+        and uf >= 1.0
+        and state.purchased_micros > 0
+    )
+    depleted_cond = not state.paid_access
+
+    # ── usage gauge (escalating single notice: 50 → 75 → 90) ──────────────────
+    # Show only the highest crossed band; replace the line when the band changes
+    # (climb or step-down on recovery); clear entirely when usage drops below the
+    # lowest band or the denominator disappears (uf is None).
+    shown_band = latch.get("usage_band")  # the pct label currently displayed, or None
+    target_band = current_band[2] if (current_band and latch["seen_below_90"]) else None
+    if target_band != shown_band:
+        if CREDITS_USAGE_KEY in active:
+            to_clear.append(CREDITS_USAGE_KEY)
+            active.discard(CREDITS_USAGE_KEY)
+        if target_band is not None:
+            # Belt-and-suspenders: a producer could set subscription_limit_micros
+            # without subscription_limit_usd. Render "$? cap" rather than "$None cap".
+            _cap_usd = state.subscription_limit_usd or "?"
+            _level = current_band[1]  # type: ignore[index]  (current_band set when target_band set)
+            to_show.append(
+                AgentNotice(
+                    text=f"{'⚠' if _level == 'warn' else '•'} Credits {target_band}% used · ${_cap_usd} cap",
+                    level=_level,
+                    kind=CREDITS_NOTICE_KIND,
+                    key=CREDITS_USAGE_KEY,
+                    id=CREDITS_USAGE_KEY,
+                )
+            )
+            active.add(CREDITS_USAGE_KEY)
+        latch["usage_band"] = target_band
+
+    # ── grant_spent ──────────────────────────────────────────────────────────
+    if grant_cond and "credits.grant_spent" not in active:
+        to_show.append(
+            AgentNotice(
+                text=f"• Grant spent · ${state.purchased_usd} top-up left",
+                level="info",
+                kind=CREDITS_NOTICE_KIND,
+                key="credits.grant_spent",
+                id="credits.grant_spent",
+            )
+        )
+        active.add("credits.grant_spent")
+    elif "credits.grant_spent" in active and not grant_cond:
+        to_clear.append("credits.grant_spent")
+        active.discard("credits.grant_spent")
+
+    # ── depleted ─────────────────────────────────────────────────────────────
+    # Suppressed while the active model is free: inference still works there,
+    # so the error banner would just alarm users (free-tier users especially,
+    # who never had paid credits to "lose").
+    show_depleted = depleted_cond and not model_is_free
+    if show_depleted and "credits.depleted" not in active:
+        to_show.append(
+            AgentNotice(
+                text="✕ Credit access paused · run /credits to top up",
+                level="error",
+                kind=CREDITS_NOTICE_KIND,
+                key="credits.depleted",
+                id="credits.depleted",
+            )
+        )
+        active.add("credits.depleted")
+    elif "credits.depleted" in active and not show_depleted:
+        to_clear.append("credits.depleted")
+        active.discard("credits.depleted")
+        if not depleted_cond:
+            # Genuine recovery (paid_access flipped back True): also emit the
+            # success notice. A clear caused by switching to a free model while
+            # still depleted must NOT claim access was restored.
+            to_show.append(
+                AgentNotice(
+                    text="✓ Credit access restored",
+                    level="success",
+                    kind="ttl",
+                    ttl_ms=CREDITS_RESTORED_TTL_MS,
+                    key="credits.restored",
+                    id="credits.restored",
+                )
+            )
+
+    return (to_show, to_clear)
+
+
+# ── parse_credits_headers ────────────────────────────────────────────────────
+
+
+def parse_credits_headers(
+    headers: Mapping[str, str],
+    provider: str = "",
+) -> Optional[CreditsState]:
+    """Parse x-nous-credits-* (and x-nous-tool-pool-*) headers into a CreditsState.
+
+    Returns None (miss) on ANY of:
+    - No ``x-nous-credits-version`` header present.
+    - Version != 1 (> 1 also emits a one-time logger.warning).
+    - Any ``*_micros`` field is non-integer, or negative for a non-subscription field.
+    - Any ``*_usd`` field doesn't match ``^-?\\d+\\.\\d{2}$``.
+    - ``denominator_kind`` is not in {"subscription_cap", "none"}.
+    - ``paid_access`` / ``tool_pool_gated_off`` is not exactly "true"/"false".
+    - ``as_of_ms`` is not a valid integer.
+    - Any unexpected exception.
+
+    Fail-open on the subscription_limit pair: a half-pair (only -micros or only
+    -usd present) is treated as both-absent; the overall parse STILL SUCCEEDS
+    but with subscription_limit_micros/usd both None.
+    """
+    global _version_warning_emitted
+
+    try:
+        # Cheap probe before the full lowercase copy: bail when the version
+        # sentinel header is absent (the common case for non-Nous providers, on
+        # every API call) — skips allocating a dict over the whole response's
+        # headers on the hot path, while preserving case-insensitivity. Behaviour
+        # is identical: a missing version header was already a None return below.
+        if not any(k.lower() == "x-nous-credits-version" for k in headers):
+            return None
+        # Normalize to lowercase so lookups work regardless of how the server
+        # capitalises headers (HTTP header names are case-insensitive per RFC 7230).
+        lowered = {k.lower(): v for k, v in headers.items()}
+
+        # ── Version check ────────────────────────────────────────────────────
+        # Must be present and exactly 1; > 1 warns once then returns None.
+        version_raw = lowered.get("x-nous-credits-version")
+        if version_raw is None:
+            return None
+        version_val = _safe_int(version_raw)
+        if version_val is _SENTINEL:
+            return None
+        if version_val != 1:
+            if version_val > 1 and not _version_warning_emitted:
+                _version_warning_emitted = True
+                logger.warning(
+                    "credits header version %d unsupported, ignoring — update Hermes",
+                    version_val,
+                )
+            return None
+
+        # ── Helper: parse a required non-negative int field (fail → None) ───
+        def _req_nonneg(key: str) -> Any:
+            raw = lowered.get(key)
+            val = _safe_int(raw)
+            if val is _SENTINEL:
+                return _SENTINEL
+            if val < 0:
+                return _SENTINEL
+            return val
+
+        # ── Helper: parse a required int field that may be negative (subscription only) ─
+        def _req_int(key: str) -> Any:
+            raw = lowered.get(key)
+            val = _safe_int(raw)
+            if val is _SENTINEL:
+                return _SENTINEL
+            return val
+
+        # ── Parse micros fields ──────────────────────────────────────────────
+        remaining_micros = _req_nonneg("x-nous-credits-remaining-micros")
+        if remaining_micros is _SENTINEL:
+            return None
+
+        subscription_micros = _req_int("x-nous-credits-subscription-micros")
+        if subscription_micros is _SENTINEL:
+            return None
+
+        rollover_micros = _req_nonneg("x-nous-credits-rollover-micros")
+        if rollover_micros is _SENTINEL:
+            return None
+
+        purchased_micros = _req_nonneg("x-nous-credits-purchased-micros")
+        if purchased_micros is _SENTINEL:
+            return None
+
+        # tool_pool_micros is OPTIONAL: absent → 0 (default); present-but-invalid → None (miss).
+        _tp_raw = lowered.get("x-nous-tool-pool-micros")
+        if _tp_raw is None:
+            tool_pool_micros = 0
+        else:
+            _tp_val = _safe_int(_tp_raw)
+            if _tp_val is _SENTINEL or _tp_val < 0:
+                return None
+            tool_pool_micros = _tp_val
+
+        as_of_ms = _req_nonneg("x-nous-credits-as-of-ms")
+        if as_of_ms is _SENTINEL:
+            return None
+
+        # ── Validate USD strings ─────────────────────────────────────────────
+        remaining_usd = lowered.get("x-nous-credits-remaining-usd", "")
+        if not _validate_usd(remaining_usd):
+            return None
+
+        subscription_usd = lowered.get("x-nous-credits-subscription-usd", "")
+        if not _validate_usd(subscription_usd):
+            return None
+
+        purchased_usd = lowered.get("x-nous-credits-purchased-usd", "")
+        if not _validate_usd(purchased_usd):
+            return None
+
+        # ── subscription_limit_* PAIRED + OPTIONAL ───────────────────────────
+        # Both present → validate both; half-pair → treat BOTH as absent (parse
+        # still succeeds, just with no limit pair).
+        sub_limit_micros_raw = lowered.get("x-nous-credits-subscription-limit-micros")
+        sub_limit_usd_raw = lowered.get("x-nous-credits-subscription-limit-usd")
+
+        subscription_limit_micros: Optional[int] = None
+        subscription_limit_usd: Optional[str] = None
+
+        if sub_limit_micros_raw is not None and sub_limit_usd_raw is not None:
+            # Both present — validate both; any invalid → return None (bad data)
+            lm = _safe_int(sub_limit_micros_raw)
+            if lm is _SENTINEL:
+                return None
+            if lm < 0:
+                return None
+            if not _validate_usd(sub_limit_usd_raw):
+                return None
+            subscription_limit_micros = lm
+            subscription_limit_usd = sub_limit_usd_raw
+        # else: half-pair or both absent → leave both None, parse continues
+
+        # ── denominator_kind ─────────────────────────────────────────────────
+        denominator_kind = lowered.get("x-nous-credits-denominator-kind", "none")
+        if denominator_kind not in _VALID_DENOMINATOR_KINDS:
+            return None
+
+        # ── paid_access / tool_pool_gated_off ────────────────────────────────
+        # Both must be exactly "true" or "false" (case-insensitive).  An absent
+        # paid_access header → fail-open (assume access); absent tool_pool_gated_off
+        # → default False.  Present but invalid → return None.
+        if "x-nous-credits-paid-access" in lowered:
+            pa_raw = lowered["x-nous-credits-paid-access"].strip().lower()
+            if pa_raw not in ("true", "false"):
+                return None
+            paid_access = pa_raw == "true"
+        else:
+            paid_access = True  # fail-open
+
+        if "x-nous-tool-pool-gated-off" in lowered:
+            tpgo_raw = lowered["x-nous-tool-pool-gated-off"].strip().lower()
+            if tpgo_raw not in ("true", "false"):
+                return None
+            tool_pool_gated_off = tpgo_raw == "true"
+        else:
+            tool_pool_gated_off = False
+
+        # ── disabled_reason: header omitted when null ────────────────────────
+        disabled_reason = lowered.get("x-nous-credits-disabled-reason")  # None if absent
+
+        return CreditsState(
+            version=version_val,
+            remaining_micros=remaining_micros,
+            remaining_usd=remaining_usd,
+            subscription_micros=subscription_micros,
+            subscription_usd=subscription_usd,
+            subscription_limit_micros=subscription_limit_micros,
+            subscription_limit_usd=subscription_limit_usd,
+            rollover_micros=rollover_micros,
+            purchased_micros=purchased_micros,
+            purchased_usd=purchased_usd,
+            tool_pool_micros=tool_pool_micros,
+            tool_pool_gated_off=tool_pool_gated_off,
+            denominator_kind=denominator_kind,
+            paid_access=paid_access,
+            disabled_reason=disabled_reason,
+            as_of_ms=as_of_ms,
+            captured_at=time.time(),
+            from_header=True,
+        )
+
+    except Exception:
+        # Fail-open → miss, but leave a breadcrumb so a parser/import regression
+        # (feature silently dead) is distinguishable from a legitimate no-headers
+        # response in agent.log, without needing a dev flag.
+        logger.debug("credits ▸ parse_credits_headers raised (fail-open miss)", exc_info=True)
+        return None
+
+
+# ── Dev test fixtures (HERMES_DEV_CREDITS_FIXTURE) ───────────────────────────
+# Throwaway dev scaffolding: trigger any notice state on demand for testing,
+# without real spend or Redis seeding. Set HERMES_DEV_CREDITS_FIXTURE to either a
+# state NAME (fixed for the session) or a FILE PATH whose contents are a state
+# name (re-read every turn → flip states live: `echo depleted > /tmp/cf`, take a
+# turn; `echo healthy > /tmp/cf`, take a turn → recovery).
+#
+# A fixture drives THREE surfaces uniformly, so the whole credits UX is testable
+# offline: (1) the per-turn capture/notice path (_capture_credits), (2) the
+# cold-start seed at session open (conversation_loop → depletion/warn90 hydrate
+# immediately), and (3) the /usage view (nous_credits_lines renders the fixture).
+# `clear` / `none` / unset → real behaviour. Delete with the rest of the
+# HERMES_DEV_CREDITS scaffolding.
+_DEV_FIXTURES: dict[str, dict] = {
+    "healthy": dict(  # used_fraction ~0.1, paid → no notice (recovery target)
+        remaining_micros=30_340_000, remaining_usd="30.34",
+        subscription_micros=18_000_000, subscription_usd="18.00",
+        subscription_limit_micros=20_000_000, subscription_limit_usd="20.00",
+        purchased_micros=12_340_000, purchased_usd="12.34",
+        denominator_kind="subscription_cap", paid_access=True,
+    ),
+    "sub_50pct": dict(  # used_fraction == 0.5 → credits.usage band 50 (info)
+        remaining_micros=10_000_000, remaining_usd="10.00",
+        subscription_micros=10_000_000, subscription_usd="10.00",
+        subscription_limit_micros=20_000_000, subscription_limit_usd="20.00",
+        denominator_kind="subscription_cap", paid_access=True,
+    ),
+    "sub_75pct": dict(  # used_fraction == 0.75 → credits.usage band 75 (warn)
+        remaining_micros=5_000_000, remaining_usd="5.00",
+        subscription_micros=5_000_000, subscription_usd="5.00",
+        subscription_limit_micros=20_000_000, subscription_limit_usd="20.00",
+        denominator_kind="subscription_cap", paid_access=True,
+    ),
+    "sub_90pct": dict(  # used_fraction == 0.9 → credits.usage band 90 (warn)
+        remaining_micros=2_000_000, remaining_usd="2.00",
+        subscription_micros=2_000_000, subscription_usd="2.00",
+        subscription_limit_micros=20_000_000, subscription_limit_usd="20.00",
+        denominator_kind="subscription_cap", paid_access=True,
+    ),
+    "grant_exhausted": dict(  # used_fraction == 1.0 + purchased>0 → credits.grant_spent
+        remaining_micros=12_340_000, remaining_usd="12.34",
+        subscription_micros=0, subscription_usd="0.00",
+        subscription_limit_micros=20_000_000, subscription_limit_usd="20.00",
+        purchased_micros=12_340_000, purchased_usd="12.34",
+        denominator_kind="subscription_cap", paid_access=True,
+    ),
+    "depleted": dict(  # paid_access False → credits.depleted (sticky)
+        remaining_micros=0, remaining_usd="0.00",
+        subscription_micros=0, subscription_usd="0.00",
+        purchased_micros=0, purchased_usd="0.00",
+        paid_access=False, disabled_reason="out_of_credits",
+    ),
+    "debt": dict(  # subscription in debt (negative, the only signed field) → depleted
+        remaining_micros=0, remaining_usd="0.00",
+        subscription_micros=-5_000_000, subscription_usd="-5.00",
+        subscription_limit_micros=20_000_000, subscription_limit_usd="20.00",
+        purchased_micros=0, purchased_usd="0.00",
+        denominator_kind="subscription_cap", paid_access=False,
+        disabled_reason="out_of_credits",
+    ),
+}
+
+
+def dev_fixture_credits_state() -> Optional[CreditsState]:
+    """Return a fixture CreditsState for HERMES_DEV_CREDITS_FIXTURE, or None.
+
+    The env value is a state name, OR a path to a file whose contents are a state
+    name (re-read each call → flip states live without a restart). Unknown name /
+    "clear" / "none" / unset → None (normal behaviour). Throwaway test scaffolding.
+
+    Hard prod-leak guard: a fixture applies ONLY when the dev flag HERMES_DEV_CREDITS
+    is also on, so a stray HERMES_DEV_CREDITS_FIXTURE (leaked into a shell profile, a
+    container env, a launch plist, …) can never surface fabricated balances/notices
+    on a real account.
+    """
+    if not is_truthy_value(os.environ.get("HERMES_DEV_CREDITS")):
+        return None
+    raw = os.environ.get("HERMES_DEV_CREDITS_FIXTURE", "").strip()
+    if not raw:
+        return None
+    name = raw
+    if os.path.sep in raw or "/" in raw:  # looks like a path → read the name from the file
+        try:
+            with open(raw, "r", encoding="utf-8") as fh:
+                name = fh.read().strip()
+        except OSError:
+            return None
+    spec = _DEV_FIXTURES.get(name.lower())
+    if not spec:
+        return None
+    # Stamp the fields the REAL parser always guarantees, so a fixture state is
+    # field-identical to a parse_credits_headers() result from equivalent headers
+    # (verified by the differential test): version is always 1, and purchased_usd
+    # is always a valid usd string (the parser rejects a missing/empty one, so a
+    # real zero-top-up account still carries "0.00"). Specs may override these.
+    merged = {"version": 1, "purchased_usd": "0.00", **spec}
+    return CreditsState(**merged, from_header=True, captured_at=time.time())
+
+
+def _credits_state_from_account(info) -> Optional[CreditsState]:
+    """Map a NousPortalAccountInfo into a header-shaped CreditsState for the seed.
+
+    Float account dollars → micros (plus a DISPLAY *_usd string — allowed, since
+    we're formatting account floats, NOT parsing a server-provided *_usd). Returns
+    None if the account can't yield a usable state (fail-open)."""
+    try:
+        _acc = getattr(info, "paid_service_access_info", None)
+        _sub = getattr(info, "subscription", None)
+
+        def _to_micros(dollars):
+            return int(round(dollars * 1_000_000)) if isinstance(dollars, (int, float)) else 0
+
+        def _to_usd(dollars):
+            # DISPLAY formatting of an account float (not a server *_usd string);
+            # "" when absent so render/notice copy falls back gracefully.
+            return f"{dollars:.2f}" if isinstance(dollars, (int, float)) else ""
+
+        _monthly = getattr(_sub, "monthly_credits", None)
+        _has_cap = isinstance(_monthly, (int, float)) and _monthly > 0
+        _paid = getattr(info, "paid_service_access", None)
+        return CreditsState(
+            remaining_micros=_to_micros(getattr(_acc, "total_usable_credits", None)),
+            remaining_usd=_to_usd(getattr(_acc, "total_usable_credits", None)),
+            subscription_micros=_to_micros(getattr(_acc, "subscription_credits_remaining", None)),
+            subscription_usd=_to_usd(getattr(_acc, "subscription_credits_remaining", None)),
+            subscription_limit_micros=_to_micros(_monthly) if _has_cap else None,
+            subscription_limit_usd=_to_usd(_monthly) if _has_cap else None,
+            purchased_micros=_to_micros(getattr(_acc, "purchased_credits_remaining", None)),
+            purchased_usd=_to_usd(getattr(_acc, "purchased_credits_remaining", None)),
+            rollover_micros=_to_micros(getattr(_sub, "rollover_credits", None)),
+            denominator_kind="subscription_cap" if _has_cap else "none",
+            paid_access=_paid if isinstance(_paid, bool) else True,
+            from_header=False,
+            captured_at=time.time(),
+        )
+    except Exception:
+        logger.debug("credits ▸ seed account→state mapping failed", exc_info=True)
+        return None
+
+
+def _hydrate_seed_state(agent, state) -> None:
+    """Install a seed CreditsState on the agent and fire the notice policy once.
+
+    Sets _credits_state, latches session-start remaining, and primes the crossing
+    gate (the cold-start snapshot IS the first observation, so a session that opens
+    already in a band warns immediately — the live header path keeps true crossing
+    semantics), then emits. Safe to call from a worker thread: emit already runs
+    off-thread in the TUI build path."""
+    agent._credits_state = state
+    if getattr(agent, "_credits_session_start_micros", None) is None:
+        agent._credits_session_start_micros = state.remaining_micros
+    _latch = getattr(agent, "_credits_latch", None)
+    if isinstance(_latch, dict) and state.used_fraction is not None:
+        _latch["seen_below_90"] = True
+    emit = getattr(agent, "_emit_credits_notices", None)
+    if callable(emit):
+        emit()
+
+
+def seed_credits_at_session_start(agent) -> bool:
+    """Hydrate agent._credits_state from /api/oauth/account (or a dev fixture) and
+    fire the notice policy, so depletion / usage-band warnings show at session OPEN.
+
+    Shared by (a) the TUI/desktop agent build (fires at "ready", before any message)
+    and (b) the first-turn conversation setup (fallback for plain CLI / when the
+    build path didn't seed). Idempotent: a second call is a no-op once a seed or a
+    real header has already populated _credits_state.
+
+    Returns True if it seeded this call, False otherwise (not nous / already seeded /
+    fail-open error). Never raises — credits must never block session startup.
+    """
+    try:
+        if getattr(agent, "provider", "") != "nous":
+            return False
+        # Idempotent: don't re-seed if state already exists (seed or live header).
+        if getattr(agent, "_credits_state", None) is not None:
+            return False
+        fixture = None
+        try:
+            fixture = dev_fixture_credits_state()
+        except Exception:
+            fixture = None
+        if fixture is not None:
+            # Synchronous: a fixture is instant (no network), and tests rely on the
+            # state + notice landing before this returns.
+            _hydrate_seed_state(agent, fixture)
+            return True
+
+        # Real portal fetch is FIRE-AND-FORGET: a slow/unreachable portal must never
+        # delay session "ready". A daemon thread hydrates + emits when it resolves,
+        # re-checking idempotency first (a live inference header may land before it).
+        import threading
+
+        def _bg_seed() -> None:
+            try:
+                from hermes_cli.nous_account import get_nous_portal_account_info
+                info = get_nous_portal_account_info(force_fresh=True)
+                if getattr(agent, "_credits_state", None) is not None:
+                    return  # a live inference header beat us — don't clobber it
+                state = _credits_state_from_account(info)
+                if state is not None:
+                    _hydrate_seed_state(agent, state)
+            except Exception:
+                logger.debug("credits ▸ session-start seed (background) failed", exc_info=True)
+
+        threading.Thread(target=_bg_seed, name="credits-seed", daemon=True).start()
+        return True
+    except Exception:
+        # Fail-open: any auth/portal hiccup leaves _credits_state as-is, never blocks.
+        # Innermost log across all four call sites (TUI build / CLI build / first
+        # turn / desktop), so a dead session-open seed is diagnosable in agent.log.
+        logger.debug("credits ▸ session-start seed failed (fail-open)", exc_info=True)
+        return False