Team plans use a shared credit pool. The org admin can set per-member monthly caps under Settings → Team → Limits — useful when a single member doesn't need access to the whole pool.
Credit usage by member is visible at Settings → Team → Usage. You can export the report as CSV for chargeback to internal cost centers.
If you cross the pool's monthly cap, AI tools queue rather than fail — the next refill date is shown to the user with a clear ETA.