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/versions/v0.2.101.ts

@@ -0,0 +1,13 @@
+import { VersionInfo } from '@start9labs/start-sdk'
+
+export const v_0_2_101 = VersionInfo.of({
+  version: '0.2.101:0',
+  releaseNotes: {
+    en_US:
+      "Mobile top-bar fixes. (1) The Summarize / Queue / Subscribe pill is now a square right-arrow icon button on phones — same size as the hamburger menu next to it — instead of a wide purple pill that overlapped the menu. Desktop keeps the labeled pill. (2) Fix the pizza-tracker progress breadcrumb (Downloading → Transcribing → Analyzing → Done) not appearing on mobile Safari: it was nested inside the flex-wrap + position:sticky .top-bar where iOS Safari was eating it. The mobile copy now renders as a sibling below .top-bar, completely outside the flex container, so it shows up reliably during summarization. Desktop is unchanged.",
+  },
+  migrations: {
+    up: async ({ effects }) => {},
+    down: async ({ effects }) => {},
+  },
+})