feat(billing): add dual formulas, disable 10yuan gift, retry auto-renew

Turn off the low-balance 10 CNY signup bonus while keeping the 5 CNY
registration credit, split metering into independent formula A/B scopes,
and retry expired auto-renew subscriptions after recharge or hourly worker.

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

tkmind-proxy.mjs

@@ -2109,12 +2109,12 @@ export function createTkmindProxy({
     return upstream.json();
   }
 
-  async function resolveSessionBillingTokenState(sessionId, tokenStateRaw) {
+  async function resolveSessionBillingTokenState(sessionId, tokenStateRaw, userId = null) {
     return resolveBillingTokenState(tokenStateRaw, {
       sessionId,
       fetchSession: fetchSessionBillingCost,
       loadEstimateConfig: billingConfigService?.getEffectiveCostEstimateConfig
-        ? () => billingConfigService.getEffectiveCostEstimateConfig()
+        ? () => billingConfigService.getEffectiveCostEstimateConfig({ userId })
         : null,
     });
   }
@@ -2218,7 +2218,7 @@ export function createTkmindProxy({
       }
       if (!finishResult.ok) throw finishResult.error;
       const finish = finishResult.value;
-      const tokenState = await resolveSessionBillingTokenState(sessionId, finish.tokenState);
+      const tokenState = await resolveSessionBillingTokenState(sessionId, finish.tokenState, userId);
       if (tokenState && userAuth.billSessionUsage) {
         await userAuth
           .billSessionUsage(userId, sessionId, tokenState, requestId)
@@ -2720,7 +2720,11 @@ export function createTkmindProxy({
               .catch(() => {});
           }
           const billingRequestId = event.request_id ?? event.chat_request_id ?? null;
-          const tokenState = await resolveSessionBillingTokenState(sessionId, event.token_state);
+          const tokenState = await resolveSessionBillingTokenState(
+            sessionId,
+            event.token_state,
+            req.currentUser.id,
+          );
           const result = await userAuth.billSessionUsage(
             req.currentUser.id,
             sessionId,