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/v0.2.130.ts

@@ -0,0 +1,13 @@
+import { VersionInfo } from '@start9labs/start-sdk'
+
+export const v_0_2_130 = VersionInfo.of({
+  version: '0.2.130:0',
+  releaseNotes: {
+    en_US:
+      "Hide '0 topics, 0:00 total' header counts during streaming. Three placements (podcast meta line, video meta line, stats-bar in the results-right pane) all now show the counts only AFTER the result event fires and state.streaming flips false — so the user no longer sees a placeholder '0 topics' display while analyze windows are still landing. No backend change; pure render-gating. Browser cache note: if Recap shows the old behavior after install, hard-refresh (Cmd+Shift+R) to force a fresh fetch of the static HTML.",
+  },
+  migrations: {
+    up: async ({ effects }) => {},
+    down: async ({ effects }) => {},
+  },
+})