Возвращает текущий баланс кошелька в виде объекта «валюта → сумма». Ответа-обёртки нет: ключи верхнего уровня — это сразу коды валют, а значения — десятичные строки.
Суммы приходят строкой, а не числом. Разбирайте их в десятичное число (Decimal, decimal.Decimal или BigDecimal), а не в float или double: двоичное представление таких значений даёт артефакты при сравнении и округлении, которые проявятся при сверке списаний.
Не сравнивайте суммы строками и не разбирайте их в число с плавающей точкой. Ключ валюты (RUB, USD) фиксирован — ориентируйтесь на него, а не на порядок ключей.
Расходы в API обычно списываются в рублях — это баланс, который и нужен. Остальные валюты в ответе возвращаются для полноты: они отражают остатки вашего кошелька, но не переводятся в рубли этим эндпоинтом.
Сколько именно списал конкретный запрос к текстовой модели, видно в самом ответе: usage.cost.total_cost в рублях. Баланс до и после — уже ваше дело. Подробнее — на странице Запрос чату и в разделе Тарификация.
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