fix(quotas): unifier le décompte IA (BYOK, rollback) et combler les fuites

Centralise la réserve via ai-quota, corrige admin unavailable (-1), brancher les routes sans quota et le host-pays brainstorm, avec usage-meter élargi, noms de clusters, MCP et ajustements dashboard/insights.

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

memento-note/app/api/ai/transform-markdown/route.ts

@@ -3,6 +3,7 @@ import { auth } from '@/auth'
 import { getChatProvider } from '@/lib/ai/factory'
 import { getSystemConfig } from '@/lib/config'
 import { hasUserAiConsent } from '@/lib/consent/server-consent'
+import { withAiQuota, handleQuotaHttpError } from '@/lib/ai-quota'
 
 export async function POST(request: NextRequest) {
   try {
@@ -18,12 +19,10 @@ export async function POST(request: NextRequest) {
 
     const { text } = await request.json()
 
-    // Validation
     if (!text || typeof text !== 'string') {
       return NextResponse.json({ error: 'Text is required' }, { status: 400 })
     }
 
-    // Validate word count
     const wordCount = text.split(/\s+/).length
     if (wordCount < 10) {
       return NextResponse.json(
@@ -42,11 +41,9 @@ export async function POST(request: NextRequest) {
     const config = await getSystemConfig()
     const provider = getChatProvider(config)
 
-    // Detect language from text
     const hasFrench = /[àâäéèêëïîôùûüÿç]/i.test(text)
     const responseLanguage = hasFrench ? 'French' : 'English'
 
-    // Build prompt to transform text to Markdown
     const prompt = hasFrench
       ? `Tu es un expert en Markdown. Transforme ce texte ${responseLanguage} en Markdown bien formaté.
 
@@ -77,19 +74,22 @@ ${text}
 
 Respond ONLY with the transformed Markdown text, no explanations.`
 
-    
-    const transformedText = await provider.generateText(prompt)
+    const transformedText = await withAiQuota(
+      session.user.id,
+      'reformulate',
+      () => provider.generateText(prompt),
+      { lane: 'chat' },
+    )
 
-    
     return NextResponse.json({
       originalText: text,
-      transformedText: transformedText,
+      transformedText,
       language: responseLanguage
     })
-  } catch (error: any) {
-    return NextResponse.json(
-      { error: error.message || 'Failed to transform text to Markdown' },
-      { status: 500 }
-    )
+  } catch (error: unknown) {
+    const quotaResp = handleQuotaHttpError(error)
+    if (quotaResp) return quotaResp
+    const message = error instanceof Error ? error.message : 'Failed to transform text to Markdown'
+    return NextResponse.json({ error: message }, { status: 500 })
   }
 }