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GET /api/tally/credits/:zid

Wallet-friendly view: aggregated balance, plan tier, daily mint rate, lock state.

Auth​

optionalAuth. Plan tier is read from the auth context; anonymous callers see free.

Response — 200​

{
  "ok": true,
  "balance": 35253,
  "tier": "free",
  "daily_rate": 100,
  "locked": false
}

If the ZID owns no machine yet:

{ "ok": true, "balance": 0, "tier": "free", "daily_rate": 100, "locked": false }

daily_rate is tier-dependent: free → 100/day; paid tiers → floor(maxSupply / 30). locked: true indicates a tier-locked account (over-quota or trial-expired).