docs: clarify anthropic extra usage billing

docs/reference/wizard.md

@@ -32,7 +32,7 @@ For a high-level overview, see [Onboarding (CLI)](/start/wizard).
   <Step title="Model/Auth">
     - **Anthropic API key**: uses `ANTHROPIC_API_KEY` if present or prompts for a key, then saves it for daemon use.
     - **Anthropic Claude CLI**: preferred Anthropic assistant choice in onboarding/configure. On macOS onboarding checks Keychain item "Claude Code-credentials" (choose "Always Allow" so launchd starts don't block); on Linux/Windows it reuses `~/.claude/.credentials.json` if present and switches model selection to a canonical `claude-cli/claude-*` ref.
-    - **Anthropic OAuth/token profiles**: still honored at runtime if already configured, but onboarding/configure no longer offers Anthropic setup-token as a new setup path.
+    - **Anthropic setup-token (legacy/manual)**: available again in onboarding/configure, but Anthropic told OpenClaw users that the OpenClaw Claude-login path counts as third-party harness usage and requires **Extra Usage** on the Claude account.
     - **OpenAI Code (Codex) subscription (Codex CLI)**: if `~/.codex/auth.json` exists, onboarding can reuse it. Reused Codex CLI credentials stay managed by Codex CLI; on expiry OpenClaw re-reads that source first and, when the provider can refresh it, writes the refreshed credential back to Codex storage instead of taking ownership itself.
     - **OpenAI Code (Codex) subscription (OAuth)**: browser flow; paste the `code#state`.
       - Sets `agents.defaults.model` to `openai-codex/gpt-5.4` when model is unset or `openai/*`.