Add multi-tenant cloud mode: self-serve purchase, credit metering, core-decoupling

Introduces RECAP_MODE=multi alongside single-mode self-host:
- Tenant auth + accounts (magic-link via System SMTP), per-tenant credit pool,
  anonymous trial minting with per-IP/-64 caps
- Self-serve Pro/Max purchase: inline Lightning (BTCPay) + card (Zaprite),
  prepaid 30-day periods, expiry-reminder emails
- Core-decoupling: relay owns cloud tier/expiry keyed by Recaps user-id
- SQLite (better-sqlite3) schema for multi-mode; filesystem unchanged for single
- StartOS actions/versions through 0.2.155

startos/actions/setWhisperEndpoint.ts

@@ -37,7 +37,7 @@ export const setWhisperEndpoint = sdk.Action.withInput(
   async ({ effects }) => ({
     name: 'Set Whisper Endpoint',
     description:
-      'Point Recap at a self-hosted or third-party Whisper transcription server (whisper.cpp, faster-whisper-server, Groq, etc.). Free alternative to OpenAI Whisper API or Gemini multimodal transcription.',
+      'Point Recaps at a self-hosted or third-party Whisper transcription server (whisper.cpp, faster-whisper-server, Groq, etc.). Free alternative to OpenAI Whisper API or Gemini multimodal transcription.',
     warning: null,
     allowedStatuses: 'any',
     group: 'AI Providers',