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/components/mcp/mcp-settings-panel.tsx

@@ -41,9 +41,16 @@ import { cn } from '@/lib/utils'
 interface McpSettingsPanelProps {
   initialKeys: McpKeyInfo[]
   serverStatus: McpServerStatus
+  mcpAllowed?: boolean
+  tier?: string
 }
 
-export function McpSettingsPanel({ initialKeys, serverStatus }: McpSettingsPanelProps) {
+export function McpSettingsPanel({
+  initialKeys,
+  serverStatus,
+  mcpAllowed = true,
+  tier = 'PRO',
+}: McpSettingsPanelProps) {
   const [keys, setKeys] = useState<McpKeyInfo[]>(initialKeys)
   const [createOpen, setCreateOpen] = useState(false)
   const [isPending, startTransition] = useTransition()
@@ -69,7 +76,7 @@ export function McpSettingsPanel({ initialKeys, serverStatus }: McpSettingsPanel
           ...prev,
         ])
       } catch (err) {
-        toast.error(err instanceof Error ? err.message : 'Failed to generate key')
+        toast.error(err instanceof Error ? err.message : t('mcpSettings.apiKeys.errors.generate'))
       }
     })
   }
@@ -84,7 +91,7 @@ export function McpSettingsPanel({ initialKeys, serverStatus }: McpSettingsPanel
         )
         toast.success(t('toast.operationSuccess'))
       } catch (err) {
-        toast.error(err instanceof Error ? err.message : 'Failed to revoke key')
+        toast.error(err instanceof Error ? err.message : t('mcpSettings.apiKeys.errors.revoke'))
       }
     })
   }
@@ -97,7 +104,7 @@ export function McpSettingsPanel({ initialKeys, serverStatus }: McpSettingsPanel
         setKeys(prev => prev.filter(k => k.shortId !== shortId))
         toast.success(t('toast.operationSuccess'))
       } catch (err) {
-        toast.error(err instanceof Error ? err.message : 'Failed to delete key')
+        toast.error(err instanceof Error ? err.message : t('mcpSettings.apiKeys.errors.delete'))
       }
     })
   }
@@ -183,6 +190,11 @@ export function McpSettingsPanel({ initialKeys, serverStatus }: McpSettingsPanel
               <p className="text-[10px] text-concrete mt-0.5">{t('mcpSettings.apiKeys.description')}</p>
             </div>
           </div>
+          {!mcpAllowed ? (
+            <p className="text-[10px] text-concrete max-w-[200px] text-end leading-relaxed">
+              {t('mcpSettings.tierRequired', { tier })}
+            </p>
+          ) : (
           <Dialog open={createOpen} onOpenChange={setCreateOpen}>
             <DialogTrigger asChild>
               <button className="flex items-center gap-1.5 px-4 py-2 rounded-xl bg-ink text-paper text-[10px] font-bold uppercase tracking-[0.15em] hover:scale-[1.02] active:scale-95 transition-all duration-300 shadow-lg shadow-ink/20">
@@ -192,8 +204,17 @@ export function McpSettingsPanel({ initialKeys, serverStatus }: McpSettingsPanel
             </DialogTrigger>
             <CreateKeyDialog onGenerate={handleGenerate} isPending={isPending} />
           </Dialog>
+          )}
         </div>
 
+        {!mcpAllowed && (
+          <div className="px-6 pb-4">
+            <p className="text-[11px] text-amber-800 dark:text-amber-200 bg-amber-500/10 border border-amber-500/20 rounded-xl px-4 py-3 leading-relaxed">
+              {t('mcpSettings.upgradeHint')}
+            </p>
+          </div>
+        )}
+
         <div className="p-6">
           {keys.length === 0 ? (
             <div className="text-center py-8">