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- add PostgreSQL control-plane persistence with Redis-degraded hot reload
- implement prepaid balance, usage ledger, Stripe top-up and reconciliation
- add registration, email verification, password reset, invitations and RBAC
- support TOTP, Passkey MFA, device sessions, quotas and rate limits
- add tenant billing profiles, audit logs and operational readiness checks
- build authenticated admin console, Quickstart, Playground and usage analytics
- add public model catalog with pricing, filtering and cost estimation
- support OpenAI Responses providers and provider health failover
- validate real upstream usage reporting and balance settlement
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