feat(server/membership): add ai_points plan policy fields

Introduces ai_points_monthly and ai_point_base_chars on the membership
plan policy, exposes them through TenantPlanAccess and MembershipInfo,
and seeds Pro with a 1500-point monthly allowance across the local,
server, and deploy configs.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

server/internal/shared/config/config.go

@@ -145,6 +145,8 @@ type MembershipPlanConfig struct {
 	Name                 string        `mapstructure:"name"`
 	ArticleGeneration    int           `mapstructure:"article_generation"`
 	ArticleQuotaCycle    string        `mapstructure:"article_quota_cycle"`
+	AIPointsMonthly      int           `mapstructure:"ai_points_monthly"`
+	AIPointBaseChars     int           `mapstructure:"ai_point_base_chars"`
 	ImageStorageBytes    int64         `mapstructure:"image_storage_bytes"`
 	CompanyLimit         int           `mapstructure:"company_limit"`
 	SubscriptionDuration time.Duration `mapstructure:"subscription_duration"`
@@ -154,6 +156,8 @@ type MembershipPlanConfig struct {
 type PlanQuotaPolicy struct {
 	ArticleGeneration        int    `json:"article_generation"`
 	ArticleQuotaCycle        string `json:"article_quota_cycle"`
+	AIPointsMonthly          int    `json:"ai_points_monthly"`
+	AIPointBaseChars         int    `json:"ai_point_base_chars"`
 	ImageStorageBytes        int64  `json:"image_storage_bytes"`
 	BrandLimit               int    `json:"brand_limit"`
 	SubscriptionDurationSecs int64  `json:"subscription_duration_seconds,omitempty"`
@@ -174,6 +178,8 @@ func (p MembershipPlanConfig) QuotaPolicy() PlanQuotaPolicy {
 	policy := PlanQuotaPolicy{
 		ArticleGeneration:    maxInt(p.ArticleGeneration, 0),
 		ArticleQuotaCycle:    normalizeArticleQuotaCycle(p.ArticleQuotaCycle, p.Code),
+		AIPointsMonthly:      maxInt(p.AIPointsMonthly, 0),
+		AIPointBaseChars:     normalizeAIPointBaseChars(p.AIPointBaseChars),
 		ImageStorageBytes:    maxInt64(p.ImageStorageBytes, 0),
 		BrandLimit:           maxInt(p.CompanyLimit, 0),
 		ContactAdminOnExpiry: p.ContactAdminOnExpiry,
@@ -695,6 +701,10 @@ func normalizeMembershipConfig(cfg *MembershipConfig) {
 		if plan.ArticleGeneration < 0 {
 			plan.ArticleGeneration = 0
 		}
+		if plan.AIPointsMonthly < 0 {
+			plan.AIPointsMonthly = 0
+		}
+		plan.AIPointBaseChars = normalizeAIPointBaseChars(plan.AIPointBaseChars)
 		if plan.ImageStorageBytes < 0 {
 			plan.ImageStorageBytes = 0
 		}
@@ -725,6 +735,7 @@ func defaultMembershipPlans() []MembershipPlanConfig {
 			Name:                 "Free",
 			ArticleGeneration:    3,
 			ArticleQuotaCycle:    ArticleQuotaCycleLifetime,
+			AIPointBaseChars:     1000,
 			ImageStorageBytes:    10 * 1024 * 1024,
 			CompanyLimit:         1,
 			SubscriptionDuration: 72 * time.Hour,
@@ -735,6 +746,7 @@ func defaultMembershipPlans() []MembershipPlanConfig {
 			Name:                 "Plus",
 			ArticleGeneration:    200,
 			ArticleQuotaCycle:    ArticleQuotaCycleMonthly,
+			AIPointBaseChars:     1000,
 			ImageStorageBytes:    500 * 1024 * 1024,
 			CompanyLimit:         1,
 			SubscriptionDuration: 720 * time.Hour,
@@ -744,6 +756,8 @@ func defaultMembershipPlans() []MembershipPlanConfig {
 			Name:                 "Pro",
 			ArticleGeneration:    400,
 			ArticleQuotaCycle:    ArticleQuotaCycleMonthly,
+			AIPointsMonthly:      1500,
+			AIPointBaseChars:     1000,
 			ImageStorageBytes:    1024 * 1024 * 1024,
 			CompanyLimit:         2,
 			SubscriptionDuration: 720 * time.Hour,
@@ -751,6 +765,13 @@ func defaultMembershipPlans() []MembershipPlanConfig {
 	}
 }
 
+func normalizeAIPointBaseChars(value int) int {
+	if value <= 0 {
+		return 1000
+	}
+	return value
+}
+
 func normalizeArticleQuotaCycle(value, planCode string) string {
 	switch strings.ToLower(strings.TrimSpace(value)) {
 	case ArticleQuotaCycleLifetime:

server/internal/shared/config/config_test.go

@@ -237,6 +237,12 @@ membership: {}
 	if pro.ArticleGeneration != 400 {
 		t.Fatalf("expected pro article generation 400, got %d", pro.ArticleGeneration)
 	}
+	if pro.AIPointsMonthly != 1500 {
+		t.Fatalf("expected pro ai points 1500, got %d", pro.AIPointsMonthly)
+	}
+	if pro.AIPointBaseChars != 1000 {
+		t.Fatalf("expected pro ai point base chars 1000, got %d", pro.AIPointBaseChars)
+	}
 	if pro.CompanyLimit != 2 {
 		t.Fatalf("expected pro company limit 2, got %d", pro.CompanyLimit)
 	}