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/clusters/route.ts

@@ -18,6 +18,9 @@ export async function GET(request: NextRequest) {
 
     const userId = session.user.id
 
+    // Fix any leftover "Cluster N" placeholders from pre-save naming bug
+    await clusteringService.ensureClusterNames(userId)
+
     // Check for stored results (even if stale/périmés)
     const stored = await clusteringService.getStoredClusters(userId)
     const lite = request.nextUrl.searchParams.get('lite') === '1'
@@ -51,7 +54,11 @@ export async function GET(request: NextRequest) {
               bridgeScore: b.bridgeScore,
               clustersConnected,
               clusterNames: clustersConnected.map(
-                cid => cached.find(c => c.clusterId === cid)?.name || `Cluster ${cid}`,
+                cid =>
+                  clusteringService.displayName(
+                    cached.find(c => c.clusterId === cid)?.name,
+                    cid,
+                  ),
               ),
               note: bridgeNoteDetailsMap.get(b.noteId),
             }
@@ -112,8 +119,11 @@ export async function GET(request: NextRequest) {
             noteId: b.noteId,
             bridgeScore: b.bridgeScore,
             clustersConnected,
-            clusterNames: clustersConnected.map(
-              cid => cached.find(c => c.clusterId === cid)?.name || `Cluster ${cid}`
+            clusterNames: clustersConnected.map(cid =>
+              clusteringService.displayName(
+                cached.find(c => c.clusterId === cid)?.name,
+                cid,
+              ),
             ),
             note: bridgeNoteDetailsMap.get(b.noteId)
           }
@@ -199,12 +209,10 @@ export async function POST(request: NextRequest) {
       })
     }
 
-    // 2. Generate cluster names with AI
-    for (const cluster of results.clusters) {
-      cluster.name = await clusteringService.generateClusterName(cluster.clusterId, userId)
-    }
+    // 2. Name from in-memory members (DB members do not exist until save)
+    await clusteringService.nameClustersFromResults(userId, results)
 
-    // 3. Save clustering results
+    // 3. Save clustering results (with real names)
     await clusteringService.saveClusteringResults(userId, results)
 
     // 4. Detect and save bridge notes