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/v0.2.85.ts

@@ -0,0 +1,12 @@
+import { VersionInfo } from '@start9labs/start-sdk'
+
+export const v_0_2_85 = VersionInfo.of({
+  version: '0.2.85:0',
+  releaseNotes: {
+    en_US: 'Three mobile fixes: (1) iOS Safari no longer auto-zooms when you tap or paste into the URL input — we toggle the viewport meta on input focus to disable zoom during typing, restoring pinch-to-zoom everywhere else. (2) When the SSE stream drops mid-job (Safari backgrounding, flaky cellular), the UI no longer shows "Load failed" — it now checks /api/process/current and shows "Connection dropped" only if the server has nothing in flight; if the job is still running it silently reattaches via the current-job poll so your summary still lands in your library. (3) Top bar is now position: sticky on mobile when viewing a result, so it stays visible at the top of the page no matter how far down you scroll into a long podcast / episode chunk list. The hamburger menu is always reachable.',
+  },
+  migrations: {
+    up: async ({ effects }) => {},
+    down: async ({ effects }) => {},
+  },
+})