Add NATS account-balance SoT and statement review for customers, CS, and sales

Internal billing now uses verae.billing.* request-reply and pubs. zappier-account-balance tracks prepaid, credits, usage, and payments. Portal, admin, CS, and sales all review the same statement. Independent Forgejo repos stay split via push-module-repos.

packages/zappier/src/portal.ts

@@ -14,6 +14,9 @@ import { applyMonthlyCredit } from './billing/credit';
 import { InvoiceRepo } from './invoicing';
 import { RateCard, TierConfig } from './pricing';
 import { UsageRepo } from './usage';
+import { CreditLedger } from './credits';
+import { composeStatement } from './statement';
+import { BILLING_SUBJECTS, natsPublish, natsStatement, natsAdjust } from './billing-nats';
 
 /**
  * Customer portal API (/portal/api): signup, login with optional TOTP 2FA,
@@ -44,6 +47,7 @@ export interface PortalDeps {
   qr: (uri: string) => Promise<string>;
   sessionTtlMs?: number;
   now?: () => number;
+  credits?: CreditLedger;
 }
 
 const DEFAULT_SESSION_TTL_MS = 7 * 24 * 60 * 60 * 1000;
@@ -198,6 +202,24 @@ export function portalRouter(deps: PortalDeps): Router {
     res.json({ tiers: deps.tiers(), rateCard: deps.rateCard() });
   });
 
+  router.get('/statement', async (req, res) => {
+    const fromNats = await natsStatement(req.customer!.id);
+    if (fromNats) {
+      res.json({ ...fromNats, source: 'nats' });
+      return;
+    }
+    res.json({
+      ...composeStatement({
+        customerId: req.customer!.id,
+        prepaidCents: req.customer!.balanceCents ?? 0,
+        credits: (deps.credits || new CreditLedger()).list(req.customer!.id),
+        usage: deps.usage.listFor(req.customer!.id),
+        invoices: deps.invoices.list({ customerId: req.customer!.id }),
+      }),
+      source: 'local',
+    });
+  });
+
   router.get('/invoices/:id', (req, res) => {
     const invoice = deps.invoices.get(req.params.id);
     if (!invoice || invoice.customerId !== req.customer!.id) {
@@ -263,6 +285,20 @@ export function portalRouter(deps: PortalDeps): Router {
       balanceCents: (req.customer!.balanceCents ?? 0) + result.creditedCents,
     };
     if (result.creditedCents > 0) save(deps, customer);
+    if (result.creditedCents > 0) {
+      natsPublish(BILLING_SUBJECTS.PAYMENT_RECORDED, {
+        customerId: customer.id,
+        cents: result.creditedCents,
+        reason: 'reload',
+      });
+      void natsAdjust({
+        customerId: customer.id,
+        cents: result.creditedCents,
+        reason: 'reload',
+        agent: 'portal',
+        kind: 'payment',
+      });
+    }
     res.json({
       balanceCents: customer.balanceCents,
       mode: result.mode,