I had the _exact_ same problem. Got the 20 USD/month subscription from Kimi.com (paid annually), exhausted my 5-hour quota with a simple prompt on OpenCode + Kimi K2.7 through their API. Cursor got the same prompt done in minutes.
According to their web interface, I'm also on 23% of my weekly usage. That feels crazy, as I do a lot more than that on the 20 USD Cursor plan, and never got even a warning.
I thought OpenCode was doing something wrong, but you had the same issue with Kimi Code.
Moonshot AI has two subscriptions archetypes and the one they link to from their main page is the subscription for the web interface/research/agents/OpenClaw (that they host for you)
There is a small link below the tiles for these plans saying something "looking to use it for code? Use Kimi code" and upon clicking you'll get a basically identically looking subscription page with different sub prices and more quota
Non coding plans:
> https://www.kimi.com/membership/pricingCoding plans:
> https://www.kimi.com/codeI stumbled on that when i tried Kimi K2.5 back when that was released.
It's also worth mentioning that the $20 get you a 0.25 priority for API usage - because the others get x4 priority. So get ready for a _slow_ experience