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For the OpenAI SDK and most OpenAI-compatible tools, yes: https://api.xhuoapi.ai/v1. For the Anthropic SDK and Claude Code, no: https://api.xhuoapi.ai. A few clients (Chatbox, Cherry Studio) add /v1 themselves; their setup guides say which.
Yes. Set "stream": true on /v1/chat/completions and read the server-sent events.
The model is probably not in your token’s tier. Qwen models and image models are only in Standard and Official. Check the tiers page.
No. Sign-up needs an email address only.
In the console: top-ups and the usage of each request.