MAKI COIN is the planned way to move value out of credits. It is not launched. The conversion rate is zero and conversion is switched off — that is the live state of the system, not a disclaimer.
Only credits you purchased could ever convert. Credits you earned — from quizzes, approved work, rewards — are internal to the platform permanently.
This is not a promise in a document. It is two independent checks in the code: conversion refuses while the coin is unlaunched, and refuses again for any amount above your purchased balance. Both have to pass, and today the first one stops everything.
If earned credits could leave, every reward on the platform would become a claim on real money that the platform has no income to back. Rewards would then have to shrink to almost nothing to stay safe. Keeping earned credits internal is what lets them be generous.
You would see a rate and a convert control in your credits page. Nothing converts silently and nothing converts automatically. Until then, your balance is what it says it is.