Zen balance available but OpenCode says "Free usage exceeded, subscribe to Go"

Description

I added $10 in credits to my OpenCode Zen account.

My Zen dashboard currently shows an available balance of $9.99, so there are sufficient paid credits available.

However, OpenCode stops processing requests and displays:

Free usage exceeded, subscribe to Go [retrying in ...]

This is confusing because I already have paid Zen credits available.

Current behavior
Add $10 of credit to OpenCode Zen.
Zen dashboard confirms an available balance of $9.99.
Use OpenCode with a Zen free model such as Big Pickle.

After reaching the free usage limit, OpenCode displays:

Free usage exceeded, subscribe to Go

The existing Zen balance is not offered as an alternative and the error implies that purchasing a Go subscription is required.
Expected behavior

When a user has an available Zen balance, OpenCode should either:

allow the user to continue through the paid Zen endpoint/balance;
offer to switch from the free model to its paid Zen equivalent when available; or
clearly explain that the free-model quota is separate from the Zen prepaid balance and that the user must select a paid Zen model.

The current message makes it appear that the $9.99 Zen balance cannot be used and that subscribing to Go is the only way to continue.

Additional information

The Zen dashboard clearly shows:

Current balance: $9.99

I can provide the screenshot showing the available balance and the OpenCode error.

This appears related to previous reports involving free-model quotas and Zen/Go provider routing.

Plugins

No response

OpenCode version

No response

Steps to reproduce

1. pay
2. try to use, but can't

Screenshot and/or share link

No response

Operating System

windows 11

Terminal

windows terminal