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/v0.2.61.ts

@@ -0,0 +1,12 @@
+import { VersionInfo } from '@start9labs/start-sdk'
+
+export const v_0_2_61 = VersionInfo.of({
+  version: '0.2.61:0',
+  releaseNotes: {
+    en_US: 'Topics now stream into the UI as they\'re ready — no more waiting through a blank loading screen for long content. As soon as transcription completes, the results view appears with the video and an empty topics list; each topic section then pops into the list at its correct time position as the model finishes analyzing it. A small "Analyzing topics… X/Y sections ready" indicator at the bottom of the list shows the running count and disappears when all windows finish. Works in concert with the chunked-analyze (0.2.59) and skip-coalesce (0.2.60) changes: on a 2-hour video that previously sat on a spinner for 90+ seconds, you now see the first topic appear about 10-15 seconds after transcription completes, and the full set fills in over the next ~30 seconds. Short content (≤25 min, single-shot analyze) is unchanged — single call, single result render, same as before.',
+  },
+  migrations: {
+    up: async ({ effects }) => {},
+    down: async ({ effects }) => {},
+  },
+})