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/v0.2.60.ts

@@ -0,0 +1,12 @@
+import { VersionInfo } from '@start9labs/start-sdk'
+
+export const v_0_2_60 = VersionInfo.of({
+  version: '0.2.60:0',
+  releaseNotes: {
+    en_US: 'Section-boundary precision improvement on long content. The pre-analyze coalesce step (which merged adjacent transcript entries down to ~400 max so a single huge analyze prompt would fit in a local LLM\'s context window) was a holdover from before chunking existed. With the chunked-analyze path shipped in 0.2.59, each 18-minute window only sees ~216 entries at 5-second Parakeet segments — well under any reasonable model\'s context. Coalescing first was unnecessary AND was hurting precision: section starts could only land on ~18-second boundaries because that\'s how coarsely the LLM saw the transcript. Now: content >25 min skips the coalesce entirely and feeds full-granularity entries to the chunker; content ≤25 min still coalesces (safety net for tiny-context local models on the single-shot path). Net effect on long content: section boundaries can now land within ~5 seconds of the actual topic shift instead of being rounded to ~18-second buckets. No change to transcript display granularity (always full).',
+  },
+  migrations: {
+    up: async ({ effects }) => {},
+    down: async ({ effects }) => {},
+  },
+})