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Credits are used when running Moonlit Apps. Every Moonlit app uses a different set of function nodes, and each function has it's own credit cost. That cost can be fixed for some and can be usage based for others. For example, LLMs (Large Language Models) cost is dependant on the amount of tokens used, each credit with regards to usage based functions including language models is worth $0.002. So for each one of the paid plans you're getting exactly what you would pay if you were using the APIs independently.
Premium functions allow you to build more complex and powerful apps, these can include data source APIs, integrations, and the latest AI Models such as GPT-4 Turbo, Claude 3, and Gemini.
A knowledge base in Moonlit is where you can store all your text (unstructured data) that can include information about your company, pages from your website, and any documents. In the app builder, you have access to a function called "Knowledge Retreival" which you can use to fetch chunks of text from your knowledge base into your apps that are relevant to a specified query. You can then use that to provide context for language models.