feat(billing): payer_ref account edge — slot count-gate + paid-tier credits bypass#268
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…redits bypass Phase 2: durable Agent->payer edge via opaque payer_ref minted at API-key signup. New role-owned tables accounts + agent_payer (agents is postgres-owned, no ALTER) + bounded payer_usage_meter; payer_ref columns on api_keys + billing_subscriptions. Checkout carries payer_ref -> webhook binds stripe_customer to the account and stamps the subscription. Registration count- gate: agents-per-payer vs slot quota (base 2 + $9 add-ons), 402 on overflow; only payer_ref accounts with an active paid sub are gated (bestand/keyless/free untouched, create-time only). credit_middleware bypasses the credit rail for paid tiers (metering retained). AWS fulfillment stamps aws_customer_identifier as attribution only (Stripe stays the pay path). Reversible migration 012_payer_ref.sql (up+down). 6 new tests + 7 existing credit-middleware tests green (13 passed).
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Phase 2 payer_ref edge (accounts + agent_payer + payer_usage_meter, payer_ref on api_keys/billing_subscriptions). Migration 012 already applied to live DB. 13 tests green. Bestand/keyless/free untouched.