feat(credits): solde IA unique (option M), packs Stripe et polish billing

Un pot de crédits global (BASIC 100 / PRO 1 000 / BUSINESS 4 000) remplace
les seaux par fonction côté débit. Packs one-shot S/M/L, admin sans seaux
legacy, usage multi-features, hints de coût, anti-flash thème et hydratation
admin. Inclut aussi le pipeline slides renforcé et la page publique polishée.

memento-note/app/api/agents/run-for-note/route.ts

@@ -1,8 +1,17 @@
 import { NextRequest, NextResponse } from 'next/server'
 import { auth } from '@/auth'
 import { prisma } from '@/lib/prisma'
-import { reserveUsageOrThrow, QuotaExceededError } from '@/lib/entitlements'
+import { QuotaExceededError } from '@/lib/entitlements'
+import { reserveAiUsageOrThrow } from '@/lib/ai-quota'
+import { slideGenerateCreditCost, resolveCreditCost } from '@/lib/credits'
+import type { FeatureName } from '@/lib/quota-utils'
 import { logAuditEvent, getClientIp } from '@/lib/audit-log'
+import {
+  encodeSlideIntentDescription,
+  normalizeSlideIntent,
+  type SlideAudience,
+  type SlidePurpose,
+} from '@/lib/ai/services/slide-intent'
 
 type GenerateType = 'slide-generator' | 'excalidraw-generator'
 
@@ -12,9 +21,10 @@ const TYPE_DEFAULTS: Record<GenerateType, {
   maxSteps: number
 }> = {
   'slide-generator': {
-    role: 'Génère une présentation professionnelle à partir du contenu de la note fournie. Appelle generate_slides avec un objet JSON structuré {title, theme, slides:[...]}.',
-    tools: ['note_search', 'note_read', 'generate_slides'],
-    maxSteps: 6,
+    // tools unused: slide-generator runs a structured-output pipeline (no function calling)
+    role: 'Génère un deck exécutif de haute qualité (titres d\'action, une idée par slide, pas de filler, graphiques uniquement avec vrais chiffres).',
+    tools: [],
+    maxSteps: 1,
   },
   'excalidraw-generator': {
     role: 'Génère un diagramme Excalidraw clair et professionnel à partir du contenu de la note fournie.',
@@ -32,26 +42,46 @@ export async function POST(req: NextRequest) {
   const userId = session.user.id
 
   const body = await req.json()
-  const { noteId, type, theme, style, language, template } = body as {
+  const { noteId, type, theme, style, language, template, purpose, audience, slideCount } = body as {
     noteId: string
     type: GenerateType
     theme?: string
     style?: string
     language?: string
     template?: string
+    purpose?: SlidePurpose
+    audience?: SlideAudience
+    slideCount?: number
   }
 
   if (!noteId || !type || !TYPE_DEFAULTS[type]) {
     return NextResponse.json({ error: 'Paramètres invalides' }, { status: 400 })
   }
 
-  // Quota check — feature key depends on generation type
-  const featureKey = type === 'slide-generator' ? 'slide_generate' : 'excalidraw_generate'
+  // Crédits globaux (respecte le BYOK) — slides = 1 + N
+  const featureKey = (type === 'slide-generator' ? 'slide_generate' : 'excalidraw_generate') as FeatureName
+  const creditCost =
+    type === 'slide-generator'
+      ? slideGenerateCreditCost(slideCount)
+      : resolveCreditCost(featureKey)
   try {
-    await reserveUsageOrThrow(userId, featureKey)
+    await reserveAiUsageOrThrow(userId, featureKey, {
+      amount: creditCost,
+      slideCount: type === 'slide-generator' ? slideCount : undefined,
+      metadata: { noteId, type, slideCount: slideCount ?? null },
+      lane: 'chat',
+    })
   } catch (e) {
     if (e instanceof QuotaExceededError) {
-      return NextResponse.json({ error: e.message }, { status: 402 })
+      return NextResponse.json(
+        {
+          error: e.message,
+          code: 'QUOTA_EXCEEDED',
+          feature: featureKey,
+          creditCost,
+        },
+        { status: 402 },
+      )
     }
     throw e
   }
@@ -71,25 +101,50 @@ export async function POST(req: NextRequest) {
   if (isEn) {
     if (type === 'slide-generator') {
       const recipeHint = (theme && theme !== 'auto') ? ` Use theme:"${theme}".` : ''
-      role = `Generate a professional presentation from the provided note content.${recipeHint} Call generate_slides with structured JSON {title, theme, slides:[...]}.`
+      role = `Generate a high-quality executive deck (action titles, one idea per slide, no filler, charts only with real numbers).${recipeHint}`
     } else {
       role = 'Generate a clear and professional Excalidraw diagram from the provided note content.'
     }
   } else if (type === 'slide-generator') {
     const recipeHint = (theme && theme !== 'auto') ? ` Utilise le thème "${theme}".` : ''
-    role = `Génère une présentation professionnelle à partir du contenu de la note fournie.${recipeHint} Appelle generate_slides avec le JSON structuré {title, theme, slides:[...]}.`
+    role = `Génère un deck exécutif de haute qualité (titres d'action, une idée par slide, pas de filler, graphiques uniquement avec vrais chiffres).${recipeHint}`
   }
 
   const agentName = type === 'slide-generator'
     ? `${isEn ? 'Slides' : 'Présentation'} — ${(note.title || 'Note').substring(0, 40)}`
     : `${isEn ? 'Diagram' : 'Diagramme'} — ${(note.title || 'Note').substring(0, 40)}`
 
+  const slideIntent =
+    type === 'slide-generator'
+      ? normalizeSlideIntent({
+          purpose,
+          audience,
+          slideCount,
+          template: template || 'auto',
+        })
+      : null
+
+  // Map purpose → legacy template when user picks intent without template
+  if (slideIntent && (!slideIntent.template || slideIntent.template === 'auto')) {
+    const purposeToTemplate: Record<string, string> = {
+      board: 'board-update',
+      project: 'project-status',
+      strategy: 'strategy-review',
+    }
+    if (slideIntent.purpose && purposeToTemplate[slideIntent.purpose]) {
+      slideIntent.template = purposeToTemplate[slideIntent.purpose]
+    }
+  }
+
   const agent = await prisma.agent.create({
     data: {
       name: agentName,
       type,
       role,
-      description: (type === 'slide-generator' && template && template !== 'auto') ? `template:${template}` : undefined,
+      description:
+        type === 'slide-generator' && slideIntent
+          ? encodeSlideIntentDescription(slideIntent)
+          : undefined,
       tools: JSON.stringify(defaults.tools),
       maxSteps: defaults.maxSteps,
       frequency: 'one-shot',
@@ -104,8 +159,9 @@ export async function POST(req: NextRequest) {
 
   // ── Fire and forget — do NOT await so the HTTP response returns immediately ──
   // In Node.js / Docker self-hosted, the process keeps running after response.
+  // skipQuota: units already reserved above (avoids double-charge in executeAgent).
   import('@/lib/ai/services/agent-executor.service')
-    .then(({ executeAgent }) => executeAgent(agent.id, userId))
+    .then(({ executeAgent }) => executeAgent(agent.id, userId, undefined, { skipQuota: true }))
     .catch(err => console.error('[run-for-note] Background agent error:', err))
 
   logAuditEvent({