Add BillingService.generatePayouts: idempotent per-partner/month/currency snapshot of gross MRR x marginPct into Payout rows (never rewrites a paid row), plus platformPayouts(). A PayoutWorker generates the current month daily (and on boot; PAYOUTS_AUTOGEN=false to disable). Operator endpoints GET /billing/payouts + POST /billing/payouts/generate, an operator payouts ledger table with a Generate button, and the proxy routes. The partner Payouts tab now shows real data.
Add a lazy/guarded Stripe client (boots without keys), Invoice/Payout schemas, per-currency Price.stripePriceIds, and a BillingService deriving partner/platform summaries, invoices and a partner-cut payout ledger. Partner and operator billing controllers plus a signature-verified Stripe webhook (Fastify raw body). Frontend: partner and operator billing pages and the operator tenant billing/audit tabs on real data. Gated behind new_billing_engine and BILLING_STRIPE_ENABLED; live money paths stay off until keys are set.