diff --git a/open-questions.md b/open-questions.md
index 43fac8d..ba54281 100644
--- a/open-questions.md
+++ b/open-questions.md
@@ -59,9 +59,9 @@ Members currently pay a flat $15/month for a $15/month credit budget. But usage
 
 ### What happens when a member's budget runs out mid-month?
 
-Currently LiteLLM enforces the $15 budget cap — requests stop when it's exhausted.
+Members have a **flexible balance**, not a hardcoded $15/month. The balance starts at $15 but can be topped up by payments (via Open Collective or another system) through the portal's `/admin/set-balance` endpoint, which pushes the new cap to the member's LiteLLM team budget (chat + API draw from the same balance). LiteLLM enforces the cap — requests stop when it's exhausted.
 
-**Question:** Should members be able to top up? Should there be a grace period? Should the co-op pool surplus to cover light users?
+**Question:** Should members be able to top up self-serve? Should there be a grace period? Should the co-op pool surplus to cover light users? (The *mechanism* is built — these are now governance decisions, not technical blockers.)
 
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