docs: drop Phase D.x markers now that the referral loop is closed

The "Phase D.1/D.2/D.3" comment scaffolding and the "Paddle webhook
will fill this in" references became actively misleading after D.3
landed — anyone reading the code would think referral conversion was
still pending. Also corrects a stale "Paddle" reference to "Stripe"
(we never shipped Paddle; ended up on Stripe after the Paddle → Polar
→ Stripe MoR onboarding pivot).

Pure docstring sweep, no behaviour change.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

app/cli.py

@@ -11,8 +11,9 @@ Usage from the host::
 two months, not one (avoids accidental erosion of an existing grant
 when re-running the command).
 
-This is the manual lever for Phase D.2. In D.3 the Paddle webhook will
-call the same helper for both sides of a referral conversion.
+This is the manual lever for admin grants. The Stripe webhook applies
+the same stacking rule via ``referral_service.convert_referral`` for
+both sides of a referral conversion.
 """
 from __future__ import annotations
 

app/models.py

@@ -169,16 +169,17 @@ class User(Base):
     settings_json: Mapped[dict | None] = mapped_column(JSON)
     created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), default=utcnow)
     last_login_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True))
-    # Referrals (Phase D.1). The code is unique + URL-safe; generated on
-    # first need rather than at row creation so existing accounts get one
-    # the next time they hit /settings.
+    # Referral code is unique + URL-safe; generated on first need rather
+    # than at row creation so existing accounts get one the next time
+    # they hit /settings.
     referral_code: Mapped[str | None] = mapped_column(String(16), nullable=True)
     referred_by_user_id: Mapped[int | None] = mapped_column(
         ForeignKey("users.id", ondelete="SET NULL"), nullable=True,
     )
-    # Paid-tier credit window (Phase D.2). Null = no credit. When set and
-    # > now(), the user gets paid-tier features regardless of `tier`.
-    # Populated by admin CLI (manual grants) or Paddle webhook (D.3).
+    # Paid-tier credit window. Null = no credit. When set and > now(),
+    # the user gets paid-tier features regardless of `tier`. Populated
+    # by admin CLI (manual grants) and by referral conversion (45 days
+    # per converted referral, both parties).
     credit_until: Mapped[datetime | None] = mapped_column(
         DateTime(timezone=True), nullable=True,
     )
@@ -248,8 +249,9 @@ class Referral(Base):
     """One row per captured (referrer, referred) pair. Created at signup
     when the new user supplied a valid `?ref=<code>`. The conversion
     fields (`converted_at`, `credited_at`) stay null until the referred
-    user makes their first paid subscription — Phase D.3 fills them in
-    via the Paddle webhook."""
+    user makes their first paid subscription — the Stripe webhook calls
+    ``referral_service.convert_referral`` to fill them in and extend
+    both parties' ``credit_until``."""
     __tablename__ = "referrals"
     id: Mapped[int] = mapped_column(_PK, primary_key=True, autoincrement=True)
     referrer_user_id: Mapped[int] = mapped_column(

app/routers/pages.py

@@ -117,9 +117,10 @@ async def settings_page(
     session: AsyncSession = Depends(get_session),
     principal: CurrentUser = Depends(require_auth),
 ):
-    """Per-user settings. Currently shows email, tier, and the referral
-    block (own code + invite link + counts of pending/converted
-    referrals). The Credit / Paddle pieces land in D.3."""
+    """Per-user settings. Shows email, tier, Stripe subscription
+    management, email-digest preferences, cloud-sync status, portfolio
+    import, and the referral block (own code + invite link + counts of
+    pending / converted / actively-credited referrals)."""
     user = principal.user
     if user is None:
         # Bearer-token admin path — no per-user settings to show.

app/routers/universe.py

@@ -321,7 +321,7 @@ async def analyze_portfolio(
     is persisted. The ai_calls ledger row records tokens + cost, never
     holdings.
 
-    Gated behind ``require_paid`` (Phase D.2): free-tier users get 402.
+    Gated behind ``require_paid``: free-tier users get 402.
     Admin bearer-token bypasses the gate for testing."""
     # Read JSON body manually so we can enforce a hard size cap. FastAPI's
     # default body limit is generous; we want tighter control here.

app/services/access.py

@@ -2,11 +2,12 @@
 
 Two sources can grant paid access:
 
-1. ``user.tier in {"paid", "enterprise"}`` — set by Paddle webhook in
-   Phase D.3 once a subscription is active.
-2. ``user.credit_until > now()`` — non-subscription credit. Currently
-   populated by the admin CLI (`python -m app.cli grant-credit`) and, in
-   D.3, by the referral-conversion path (3 months at 50% off).
+1. ``user.tier in {"paid", "enterprise"}`` — set by the Stripe webhook
+   once a subscription is active.
+2. ``user.credit_until > now()`` — non-subscription credit. Populated
+   by the admin CLI (``python -m app.cli grant-credit``) and by the
+   referral-conversion path (45 days per converted referral, both
+   parties).
 
 Either is sufficient. We use a single ``paid_status`` function so the
 Settings page can show *why* a user has paid access ("paid subscription"