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/v0.2.52.ts

@@ -0,0 +1,12 @@
+import { VersionInfo } from '@start9labs/start-sdk'
+
+export const v_0_2_52 = VersionInfo.of({
+  version: '0.2.52:0',
+  releaseNotes: {
+    en_US: 'Buy modal gains a discount-code interim step. Clicking Select on a tier now opens a small form (in Recap colors): "Discount code (optional)" + Apply / Continue without code / ← Back. Apply previews the adjusted price (base, savings, final) before the buyer is sent to BTCPay; Continue without code skips straight to checkout at the standard price. Highlighted tier badge + border now have a stronger purple visual (lifted card, 2px border, glow). Policies cache shortened from 60s to 30s so operator edits in Keysat admin (e.g. flipping "Most popular" on Pro) propagate within ~30 seconds.',
+  },
+  migrations: {
+    up: async ({ effects }) => {},
+    down: async ({ effects }) => {},
+  },
+})