Enterprise gets pooled credits and will like having everything go through one place so I think it still works.

You can pool credits through open router (afaik, I'm only using a single user account), but if you top-up $10 per user, per month, any unused credits will rollover.

Tbh I think it still works, but only because the new allowance will likely get used very quickly within a billing cycle - I'm expecting this change to increase our orgs bill significantly based on how many API credits with open router I consume in a weekend using a single agent in a pairing style.

The pooling will only be useful if you have a bunch of infrequent/low usage users that you still want to have licenses.