diff --git a/README.md b/README.md
index 3ef0997..58a1195 100644
--- a/README.md
+++ b/README.md
@@ -24,6 +24,14 @@ pv.images.upload(url="https://example.com/a.png", expires_in=3600)
 
 With no API key at all, `images.upload(file)` makes an anonymous upload that expires after 30 days.
 
+Generate an image from a prompt and host it in one call (spends monthly credits, see the table below):
+
+```python
+image = pv.images.generate("flat vector hero, a robot at a laptop, no text")
+print(image["url"])         # https://img.pixelvault.dev/...
+print(image["generation"])  # {'model': 'flux-1-schnell', 'credits_charged': 1, 'credits_remaining': 9}
+```
+
 Asyncio:
 
 ```python
@@ -40,11 +48,12 @@ async with AsyncPixelVault() as pv:
 | Call | What it does |
 |---|---|
 | `images.upload(file \| url=, folder=, visibility=, expires_in=, sign_expires_in=)` | Upload a file or import a URL |
+| `images.generate(prompt, model=, folder=, visibility=, expires_in=)` | Generate an image from a prompt and host it. Credits: `flux-1-schnell` and the SDXL models 1, Leonardo 20. Free plan: 10 credits a month, `flux-1-schnell` only |
 | `images.upload_batch(collection, images)` | Up to 50 images in one collection |
 | `images.list(page=, per_page=)` / `images.list_all()` | One page / iterator over all images |
 | `images.get(id)` / `images.delete(id)` | Fetch / delete one image |
 | `images.sign_url(id, expires_in=)` | Signed URL for a private image |
-| `usage.get()` | Plan, usage, limits and what is left this month |
+| `usage.get()` | Plan, usage, limits and what is left this month (including generation credits) |
 | `keys.list()` / `keys.create(label=, environment=)` / `keys.revoke(id)` | Manage your API keys (secret keys only) |
 | `register(email)` | Create an account, returns a first key once |
 | `device_login_start(email)` + `device_login_complete(email, code)` | Passwordless key minting |
@@ -65,7 +74,7 @@ except PixelVaultError as err:
 ```
 
 The client retries `429` (honoring `Retry-After` up to 30 seconds) and, for `GET`/`DELETE` only, `5xx` and
-network errors. Uploads are never retried after a `5xx`, so a lost response cannot create a duplicate image.
+network errors. Uploads and `images.generate` are never retried after a `5xx` or a network error, so a lost response cannot create a duplicate image or spend credits twice.
 Tune with `max_retries` (default 2) and `timeout` (seconds, default 60).
 
 ## License
diff --git a/pyproject.toml b/pyproject.toml
index 8054984..465f344 100644
--- a/pyproject.toml
+++ b/pyproject.toml
@@ -4,7 +4,7 @@ build-backend = "hatchling.build"
 
 [project]
 name = "pixelvault"
-version = "0.1.0"
+version = "0.2.0"
 description = "Official Python SDK for PixelVault, agent-first image hosting"
 readme = "README.md"
 license = "MIT"
diff --git a/scripts/check_spec_coverage.py b/scripts/check_spec_coverage.py
index da19da4..4a20c8f 100644
--- a/scripts/check_spec_coverage.py
+++ b/scripts/check_spec_coverage.py
@@ -9,14 +9,17 @@
 import urllib.request
 
 COVERED = {
-    "upload_image", "batch_upload", "list_images", "get_image", "delete_image",
+    "upload_image", "generate_image", "batch_upload", "list_images", "get_image", "delete_image",
     "sign_image_url", "get_usage", "list_keys", "create_key", "revoke_key",
     "register_account", "device_login_start", "device_login_complete",
 }
 # Not wrapped on purpose: dashboard-session endpoints, the public playground,
 # health, and surfaces the SDK does not cover yet.
 IGNORED = {
-    "claim_upload", "dashboard_upload", "playground_upload", "health_check", "serve_image",
+    "claim_upload", "dashboard_upload", "dashboard_delete_image", "playground_upload",
+    "health_check", "serve_image",
+    # Billing: a person pays or cancels, so it is a dashboard/portal flow, not an SDK call.
+    "start_checkout", "open_billing_portal",
     "list_collections", "get_collection", "close_collection",
     "start_export", "get_export_job", "download_export",
 }
diff --git a/src/pixelvault/_core.py b/src/pixelvault/_core.py
index cd291b3..3d16c65 100644
--- a/src/pixelvault/_core.py
+++ b/src/pixelvault/_core.py
@@ -12,7 +12,7 @@
 
 from .errors import PixelVaultError
 
-__version__ = "0.1.0"
+__version__ = "0.2.0"
 
 DEFAULT_BASE_URL = "https://api.pixelvault.dev"
 MAX_BACKOFF = 30.0
diff --git a/src/pixelvault/_resources.py b/src/pixelvault/_resources.py
index 051bda8..a3e34bb 100644
--- a/src/pixelvault/_resources.py
+++ b/src/pixelvault/_resources.py
@@ -38,6 +38,27 @@ def sign_url(image_id: str, expires_in: Optional[int]) -> Request:
     return Request("POST", f"/v1/images/{seg(image_id)}/sign-url", json=body)
 
 
+def generate(
+    prompt: str,
+    model: Optional[str],
+    folder: Optional[str],
+    visibility: Optional[str],
+    expires_in: Optional[int],
+    sign_expires_in: Optional[int],
+) -> Request:
+    body = drop_none(
+        {
+            "prompt": prompt,
+            "model": model,
+            "folder": folder,
+            "visibility": visibility,
+            "expires_in": expires_in,
+            "sign_expires_in": sign_expires_in,
+        }
+    )
+    return Request("POST", "/v1/images/generate", json=body)
+
+
 def get_usage() -> Request:
     return Request("GET", "/v1/usage")
 
diff --git a/src/pixelvault/client.py b/src/pixelvault/client.py
index 7e6336a..d8a01c3 100644
--- a/src/pixelvault/client.py
+++ b/src/pixelvault/client.py
@@ -23,6 +23,7 @@
     ApiKey,
     CreatedKey,
     DeviceLoginResult,
+    GeneratedImage,
     Image,
     ImagePage,
     JsonDict,
@@ -165,6 +166,28 @@ def upload(
         )
         return r.data(self._c._send(req))  # type: ignore[no-any-return]
 
+    def generate(
+        self,
+        prompt: str,
+        *,
+        model: Optional[str] = None,
+        folder: Optional[str] = None,
+        visibility: Optional[str] = None,
+        expires_in: Optional[int] = None,
+        sign_expires_in: Optional[int] = None,
+    ) -> GeneratedImage:
+        """Generate an image from ``prompt`` and host it in one call.
+
+        Spends credits from the account's monthly grant (``model`` defaults to
+        ``flux-1-schnell``, 1 credit; the Leonardo models cost 20 and need a paid plan).
+        The result is a normal image plus ``["generation"]`` with the credits charged and left.
+        Needs a secret key and a verified email. A failed generation is refunded, and a
+        lost response is never retried, so it cannot be charged twice. A call can take
+        several seconds (up to about a minute), so keep ``timeout`` generous.
+        """
+        req = r.generate(prompt, model, folder, visibility, expires_in, sign_expires_in)
+        return r.data(self._c._send(req))  # type: ignore[no-any-return]
+
     def upload_batch(
         self, collection: Dict[str, Any], images: List[Dict[str, Any]]
     ) -> JsonDict:
@@ -317,6 +340,19 @@ async def upload(
         )
         return r.data(await self._c._send(req))  # type: ignore[no-any-return]
 
+    async def generate(
+        self,
+        prompt: str,
+        *,
+        model: Optional[str] = None,
+        folder: Optional[str] = None,
+        visibility: Optional[str] = None,
+        expires_in: Optional[int] = None,
+        sign_expires_in: Optional[int] = None,
+    ) -> GeneratedImage:
+        req = r.generate(prompt, model, folder, visibility, expires_in, sign_expires_in)
+        return r.data(await self._c._send(req))  # type: ignore[no-any-return]
+
     async def upload_batch(
         self, collection: Dict[str, Any], images: List[Dict[str, Any]]
     ) -> JsonDict:
diff --git a/src/pixelvault/types.py b/src/pixelvault/types.py
index 8ecafe3..27da47d 100644
--- a/src/pixelvault/types.py
+++ b/src/pixelvault/types.py
@@ -20,11 +20,26 @@ class Image(TypedDict):
     filename: str
     folder: Optional[str]
     created_at: str
+    #: Keyed public raster images: the same image as WebP/AVIF, usually far smaller.
+    optimized_url: NotRequired[str]
     #: Present only on auto-expiring uploads.
     expires_in: NotRequired[int]
     temporary: NotRequired[bool]
 
 
+class Generation(TypedDict):
+    """What an ``images.generate`` call cost."""
+
+    model: str
+    credits_charged: int
+    #: Credits left this month (they reset on the 1st, UTC).
+    credits_remaining: int
+
+
+class GeneratedImage(Image):
+    generation: Generation
+
+
 class ListMeta(TypedDict):
     total: int
     page: int
@@ -52,6 +67,12 @@ class UsageLimits(TypedDict):
     bandwidth_bytes_per_month: int
 
 
+class GenerationUsage(TypedDict):
+    credits_used: int
+    credits_limit: int
+    credits_remaining: int
+
+
 class Usage(TypedDict):
     plan: str
     period: str
@@ -59,6 +80,8 @@ class Usage(TypedDict):
     usage: UsageCounts
     limits: UsageLimits
     remaining: UsageCounts
+    #: AI image-generation credits for the month (images.generate).
+    generation: NotRequired[GenerationUsage]
 
 
 class ApiKey(TypedDict):
diff --git a/tests/test_client.py b/tests/test_client.py
index 8429314..b951b23 100644
--- a/tests/test_client.py
+++ b/tests/test_client.py
@@ -207,3 +207,97 @@ async def test_async_error():
         with pytest.raises(PixelVaultError) as e:
             await pv.usage.get()
     assert e.value.code == "missing_api_key"
+
+
+GENERATED = {
+    **IMG,
+    "optimized_url": "https://img.pixelvault.dev/p/i.png?fmt=auto&q=85",
+    "generation": {"model": "flux-1-schnell", "credits_charged": 1, "credits_remaining": 9},
+}
+
+
+def test_generate_posts_json_and_returns_generation():
+    seen = {}
+
+    def handler(req: httpx.Request):
+        seen["req"] = req
+        return httpx.Response(201, json={"data": GENERATED})
+
+    img = make(handler).images.generate(
+        "a red bicycle", model="lucid-origin", folder="heroes", expires_in=3600
+    )
+    req = seen["req"]
+    assert req.method == "POST"
+    assert str(req.url) == "https://api.pixelvault.dev/v1/images/generate"
+    assert req.headers["authorization"] == "Bearer pv_live_test"
+    assert req.headers["content-type"].startswith("application/json")
+    assert json.loads(req.content) == {
+        "prompt": "a red bicycle",
+        "model": "lucid-origin",
+        "folder": "heroes",
+        "expires_in": 3600,
+    }
+    assert img["generation"]["credits_remaining"] == 9
+    assert img["optimized_url"].endswith("fmt=auto&q=85")
+
+
+def test_generate_omits_unset_options():
+    seen = {}
+
+    def handler(req: httpx.Request):
+        seen["body"] = json.loads(req.content)
+        return httpx.Response(201, json={"data": GENERATED})
+
+    make(handler).images.generate("a lake")
+    assert seen["body"] == {"prompt": "a lake"}
+
+
+def test_generate_credit_errors_carry_the_api_code():
+    def handler(req: httpx.Request):
+        return httpx.Response(
+            402,
+            json={"error": {"code": "generation_credits_exhausted", "message": "0 left"}},
+        )
+
+    with pytest.raises(PixelVaultError) as exc:
+        make(handler).images.generate("x")
+    assert exc.value.status == 402
+    assert exc.value.code == "generation_credits_exhausted"
+
+
+def test_generate_is_not_retried_after_a_5xx():
+    calls = []
+
+    def handler(req: httpx.Request):
+        calls.append(1)
+        return httpx.Response(
+            502, json={"error": {"code": "generation_failed", "message": "try again"}}
+        )
+
+    with pytest.raises(PixelVaultError) as exc:
+        make(handler).images.generate("x")
+    assert exc.value.code == "generation_failed"
+    assert len(calls) == 1  # a lost response must never spend credits twice
+
+
+def test_usage_exposes_generation_credits():
+    usage = {
+        "plan": "free",
+        "generation": {"credits_used": 1, "credits_limit": 10, "credits_remaining": 9},
+    }
+    got = make(lambda r: httpx.Response(200, json={"data": usage})).usage.get()
+    assert got["generation"]["credits_remaining"] == 9
+
+
+@pytest.mark.asyncio
+async def test_async_generate():
+    seen = {}
+
+    def handler(req: httpx.Request):
+        seen["body"] = json.loads(req.content)
+        return httpx.Response(201, json={"data": GENERATED})
+
+    async with amake(handler) as pv:
+        img = await pv.images.generate("a mountain", visibility="private")
+    assert seen["body"] == {"prompt": "a mountain", "visibility": "private"}
+    assert img["generation"]["model"] == "flux-1-schnell"
diff --git a/uv.lock b/uv.lock
index 4123d7f..9319f27 100644
--- a/uv.lock
+++ b/uv.lock
@@ -516,7 +516,7 @@ wheels = [
 
 [[package]]
 name = "pixelvault"
-version = "0.1.0"
+version = "0.2.0"
 source = { editable = "." }
 dependencies = [
     { name = "httpx" },