Clean prepaid SoT, identity mailbox, public access planes, leaf policy, fleet spawn

Persist account-balance books; edge caches prepaid from books. Add zappier-identity, verae-nats-accounts, verae-jobs-events, verae-access-staff, zapier-decisions. Edge binds loopback; lan-134 stays off; HTTP services prefer local spawn.

docs/modules/zappier/ledger.md

@@ -0,0 +1,52 @@
+# `zappier/ledger`
+
+**Package:** `zappier`  
+**Source:** `packages/zappier/src/ledger.ts`  
+**Lines:** 51
+
+## What this module is
+
+Implementation module in `zappier`. The tables below are extracted from the source (signatures + JSDoc).
+
+## Exports
+
+`PrepaidRow`, `booksConfigured`, `ledgerAdjust`, `ledgerStatement`
+
+## Types / interfaces / classes
+
+| Kind | Name |
+|------|------|
+| type | `PrepaidRow` |
+
+## Functions
+
+| Name | Parameters | Param types (JSDoc) | Returns | Calls (same file / helpers) |
+|------|------------|---------------------|---------|-----------------------------|
+| `booksUrl` | `(none)` | — | `unknown` | see Call graph |
+| `booksConfigured` | `(none)` | — | `unknown` | see Call graph |
+| `ledgerAdjust` | `row: PrepaidRow, plane: AccessPlane` | — | `unknown` | see Call graph |
+| `ledgerStatement` | `customerId: string, plane: AccessPlane, veraeUserId?: string` | — | `unknown` | see Call graph |
+
+## Methods (class / object)
+
+| Name | Parameters |
+|------|------------|
+| `return` | `process.env.ACCOUNT_BALANCE_URL || ''` |
+| `return` | `await r.json(` |
+
+## What it imports / requires
+
+- `./billing-nats`
+
+## Call graph (identifiers invoked)
+
+`booksUrl`, `replace`, `booksConfigured`, `ledgerAdjust`, `natsAdjust`, `fetch`, `stringify`, `json`, `ledgerStatement`, `natsStatement`, `encodeURIComponent`
+
+Each identifier is a call site in this file. Follow the import list to see the defining module; open that module’s MD for parameter and return types.
+
+## Return values (how to read this)
+
+- HTTP route handlers return Express `res.json(...)` bodies (see route docs).
+- Zapier `perform` functions return a **single object** (creates) or an **array** (triggers/searches).
+- Pricing functions return integer **cents** on `Quote.totalCents`.
+