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/translate/route.ts

@@ -3,6 +3,7 @@ import { auth } from '@/auth'
 import { getTagsProvider } from '@/lib/ai/factory'
 import { getSystemConfig } from '@/lib/config'
 import { hasUserAiConsent } from '@/lib/consent/server-consent'
+import { reserveUsageOrThrow, QuotaExceededError } from '@/lib/entitlements'
 
 export async function POST(request: NextRequest) {
   try {
@@ -24,12 +25,18 @@ export async function POST(request: NextRequest) {
     const config = await getSystemConfig()
     const provider = getTagsProvider(config)
 
+    await reserveUsageOrThrow(session.user.id, 'reformulate')
+
     const prompt = `Translate the following text to ${targetLanguage}. Return ONLY the translated text, no explanation, no preamble, no quotes:\n\n${text}`
 
     const translatedText = await provider.generateText(prompt)
 
     return NextResponse.json({ translatedText: translatedText.trim() })
-  } catch (error: any) {
-    return NextResponse.json({ error: error.message || 'Translation failed' }, { status: 500 })
+  } catch (error: unknown) {
+    if (error instanceof QuotaExceededError) {
+      return NextResponse.json(error.toJSON(), { status: 429 })
+    }
+    const message = error instanceof Error ? error.message : 'Translation failed'
+    return NextResponse.json({ error: message }, { status: 500 })
   }
 }