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C3 — Per-tenant Claude usage meter wired into @chiefaia/claude-spawner (Phase C3)

Goal

Wire @caia/billing (PR #607) into @chiefaia/claude-spawner so per-tenant Claude usage is metered + invoiced via Stripe. Stripe API keys are not yet in Infisical, so this PR ships in stub mode: real plumbing + structure, gracefully degrades to a no-op meter when STRIPE_SECRET_KEY is absent. When the operator drops the key into Infisical at caia_global.billing.stripe_secret_key, the wiring activates automatically on the next monthly cron tick.

Reuse-first

  • @caia/billing (PR #607) — extended; not forked.
  • @chiefaia/claude-spawner — extended with a duck-typed UsageMeterHook callback; no dep cycle into billing.
  • @caia/secrets-adapter — used via .list() for BYOK detection.
  • @chiefaia/tracing — used for warning logs + the withClaudeSpawnerSpan wrapper the wizard routes already use.
  • pg is a runtime dep of the dashboard (already declared); no new package.

reuseSearchResults:

  • @caia/billing
  • @chiefaia/claude-spawner
  • @caia/secrets-adapter
  • @chiefaia/tracing

Deliverables

  1. @caia/billing: src/usage-meter.ts, src/claude-spawner-meter-hook.ts, migrations/0003_tenant_usage_meter.sql, public re-exports.
  2. @chiefaia/claude-spawner: UsageMeterContext + UsageMeterHook plumbed through SpawnClaudeInput; post-spawn hook invocation inside the OTel span.
  3. apps/dashboard/scripts/aggregate-usage.ts: monthly cron.
  4. apps/wizard/lib/wizard/claude-meter.ts: drop-in helper for wizard routes, plus tier-resolver.ts lookup helper. interview/answer route wired as the canonical example.
  5. Tests: 30 new vitest cases in tests/usage-meter.test.ts (+ 5 spawner hook tests) covering real-key path, stub-mode path, BYOK skip, aggregation correctness, monthly idempotency.
  6. README operator runbook excerpt documenting stub-vs-live boundary and Stripe key activation flow.

DoD

  • Spawner integration ships.
  • Tests pass in both real-key (auto-skipped without env var) and stub-mode paths.
  • Migration adds the per-tenant table.
  • Cron script exists + README documents operator-side setup.
  • True-Zero admin-merge after CI green (tolerate pre-existing TS2352 + lighthouse fails).