update explanation about welcome credits

docs/getting-started/setting-up.mdx

@@ -14,19 +14,16 @@ export const FreeTierAmount = () => {
 
 When you sign up for Kilo Code, you'll receive **free credits** to help you get started. To claim your credits:
 
-1. Complete the registration process - you'll receive an initial amount of free credits to use immediately
-2. To unlock additional credits (up to <FreeTierAmount /> total):
-   - add a payment method for identity verification
-   - authorize Kilo Code to place a _temporary_ $0.10 hold on your card
-3. As long as this payment method hasn't been used to claim free credits through a different Kilo Code account before, you can enjoy your free tokens and start coding right away!
+1. **Sign up:** Complete the registration process to receive $5 in credits immediately after verification (we might require a hold to verify identity)
+2. **First top-up:**: Add funds to your account (min $5) and get $20 bonus credits
+3. **Start Coding:** Enjoy your $25 in total free credits
 
 :::note About the temporary hold
-To keep our service reliable and prevent misuse, we place a _temporary_ $0.10 hold on your credit card during verification. Here's what you need to know:
+The $0.10 hold is for identity verification only:
 
-- **It's not a charge** - This is a temporary authorization that will not be charged to your account
-- **Bank processing time** - Kilo Code releases the hold immediately. After release, it may take **several weeks** (5-10 business days on average) for the funds to return to your account. The exact timeline depends on your bank.
-- **How it's displayed** - Some banks may show this as a regular transaction, but it remains a temporary hold
-- **Tracking available** - After the hold is released, we can provide a STAN number to help you track the transaction with your bank if needed.
+- **Not a charge** - This is a temporary authorization that will not be charged
+- **Instant release** - Kilo Code releases the hold immediately after verification
+- **Bank processing** - While we release instantly, it may take a few business days for funds to return (varies by bank)
   :::
 
 ## Registration process

docs/providers/kilocode.md

@@ -12,19 +12,16 @@ Kilo Code provides its own built-in API provider that gives you access to the la
 
 When you sign up for Kilo Code, you'll receive free credits to help you get started:
 
-1. **Initial Registration:** Complete the registration process to receive an initial amount of free credits immediately
-2. **Unlock Additional Credits:** To access more free credits:
-   - Add a payment method for identity verification
-   - Authorize a temporary $0.10 hold on your card (not a charge)
-3. **Start Coding:** Once verified, enjoy your free tokens and start using Kilo Code right away
+1. **Sign up:** Complete the registration process to receive $5 in credits immediately after verification (we might require a hold to verify identity)
+2. **First top-up:**: Add funds to your account (min $5) and get $20 bonus credits
+3. **Start Coding:** Enjoy your $25 in total free credits
 
 :::note About the temporary hold
 The $0.10 hold is for identity verification only:
 
 - **Not a charge** - This is a temporary authorization that will not be charged
-- **Released immediately** - Kilo Code releases the hold automatically
-- **Bank processing** - After release, it may take 5-10 business days for funds to return (varies by bank)
-- **Tracking available** - We can provide a STAN number to help track with your bank if needed
+- **Instant release** - Kilo Code releases the hold immediately after verification
+- **Bank processing** - While we release instantly, it may take a few business days for funds to return (varies by bank)
   :::
 
 ## Registration Process