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/v0.2.122.ts

@@ -0,0 +1,13 @@
+import { VersionInfo } from '@start9labs/start-sdk'
+
+export const v_0_2_122 = VersionInfo.of({
+  version: '0.2.122:0',
+  releaseNotes: {
+    en_US:
+      "Phase 1E: speaker diarization rendering. When the operator's relay is on v0.2.88+ AND has diarization enabled, summarized videos now show a 'Speakers' legend above the topic list and a colored chip beside each transcript line — Speaker A in red, B in blue, C in green, D in yellow, etc. (8 distinct colors cycle for >8 speakers, which is rare in interview/podcast content). Chip color is stable per global speaker ID so the same voice always gets the same chip throughout the transcript. Confidence < 50% adds a trailing '?' to the chip so you know the assignment is uncertain. Legend shows total turns + total speaking time per speaker. Per-entry speakers are attached server-side via time-matching: the relay's fine-grained Parakeet segments (with diarization labels) are joined to Recap's merged readable lines by start-time intersection. Backwards-compatible: older relays without transcript_segments simply skip the rendering — UI looks identical to v0.2.121 for those sessions. Persisted in history alongside the existing transcript/analysis JSON so reopening a saved session restores the speaker labels.",
+  },
+  migrations: {
+    up: async ({ effects }) => {},
+    down: async ({ effects }) => {},
+  },
+})