Granite Billing API
Plans and payments (PLAN.md 1.2, Phase 7). A person buys Pro, with its first 30 days free once per person; a workspace buys Business per seat (members above Guest, at least 2) after its 30-day trial. Payments run through Stripe Checkout and Stripe's customer portal. A failed payment keeps the plan for 7 days; after that, or when a subscription ends, the owner is on Free's limits: nothing is deleted, but uploads over the quota are refused. Pass `workspace_id` for a workspace's billing (its owner and admins only).