feat(billing): make metering formula admin-configurable

Allow margin/FX/cost-mode knobs to be overridden via h5_billing_admin_config so memind_adm can adjust DeepSeek billing without editing env.

Co-authored-by: Cursor <cursoragent@cursor.com>

server/portal-auth-services-bootstrap.mjs

@@ -1,3 +1,4 @@
+import { createBillingAdminConfigService } from '../billing-admin-config.mjs';
 import { createRechargeService } from '../billing-recharge.mjs';
 import {
   createPlanCatalogService,
@@ -53,6 +54,7 @@ export async function bootstrapPortalAuthServices({
   loadWechatOAuthConfigFn = loadWechatOAuthConfig,
   createWechatOAuthServiceFn = createWechatOAuthService,
   createRechargeServiceFn = createRechargeService,
+  createBillingAdminConfigServiceFn = createBillingAdminConfigService,
 } = {}) {
   if (
     !pool ||
@@ -77,6 +79,10 @@ export async function bootstrapPortalAuthServices({
   subscriptionService._planCatalogService =
     planCatalogService;
 
+  const billingConfigService =
+    createBillingAdminConfigServiceFn(pool, { env });
+  await billingConfigService.ensureSchema();
+
   const userAuth = createUserAuthFn(pool, {
     usersRoot,
     h5Root,
@@ -84,6 +90,7 @@ export async function bootstrapPortalAuthServices({
       env.H5_SIGNUP_BALANCE_CENTS ?? 500,
     ),
     subscriptionService,
+    billingConfigService,
     getMindSearchConfig: () =>
       mindSearchConfigService.getEffectiveConfig(),
     provisionUserDataSpace: async ({
@@ -158,6 +165,7 @@ export async function bootstrapPortalAuthServices({
   return {
     planCatalogService,
     subscriptionService,
+    billingConfigService,
     userAuth,
     sessionAccess,
     routerDecisionMode,

server/portal-gateway-services-bootstrap.mjs

@@ -129,6 +129,7 @@ export function bootstrapPortalGatewayServices({
   sessionStreamStore,
   llmProviderService,
   subscriptionService,
+  billingConfigService = null,
   sessionSnapshotService,
   conversationMemoryService,
   memoryV2,
@@ -176,6 +177,7 @@ export function bootstrapPortalGatewayServices({
     sessionStreamStore,
     llmProviderService,
     subscriptionService,
+    billingConfigService,
     sessionSnapshotService,
     conversationMemoryService,
     memoryV2,