feat: add local auth billing and usage management

tests/organization-client.test.ts

@@ -18,6 +18,8 @@ describe("organization account client", () => {
   it("tracks required organization and staff API configuration separately", () => {
     vi.stubEnv("ZHINIAN_ORG_API_BASE_URL", "https://gateway.example.com/basic");
     vi.stubEnv("ZHINIAN_ORG_API_TOKEN", "org-token");
+    vi.stubEnv("ZHINIAN_STAFF_API_BASE_URL", "");
+    vi.stubEnv("ZHINIAN_ORG_TENANT_ID", "");
 
     expect(getOrganizationApiConfig()).toMatchObject({
       configured: true,