phase D milestones 1+2: referral system + paid-access gate

Lays the billing-prep spine before Paddle lands in D.3.

D.1 — referrals
- users.referral_code: unique 8-char URL-safe code (alphabet excludes the
  ambiguous 0/O/1/I/L). Generated lazily on first /settings hit so existing
  accounts pick one up without a backfill migration.
- users.referred_by_user_id + new referrals audit table (referrer,
  referred, created_at, converted_at, credited_at). converted_at /
  credited_at stay null until D.3 fills them via the Paddle webhook.
- POST /login accepts ?ref=<code>; the code rides on the signed
  pending-verify cookie so it survives the GET → POST → /verify hop.
- /settings page: email, tier badge, referral code chip + invite link
  with one-click copy, pending/converted/active-credits stats grid.
  Settings nav link added to the top bar.

Reward shape: when the referred user makes their first paid Paddle
subscription, both they and the referrer get 50% off for 3 months.
(D.3 wires the actual credit application via the Paddle webhook.)

D.2 — paid-access gate
- users.credit_until: timestamp until which a free-tier account has
  paid-tier access. Null = no credit. Populated by admin CLI now and the
  D.3 webhook later.
- app.services.access exposes paid_status(user) → PaidStatus dataclass
  (active / source / expires_at / days_remaining), is_paid_active() with
  admin-bearer-token bypass, and a require_paid FastAPI dependency that
  raises 402 Payment Required for free-tier callers.
- POST /api/analyze (portfolio AI commentary) gated behind require_paid.
- Settings page surfaces credit window when active ("free · credit · N
  day(s) remaining (expires YYYY-MM-DD)") and the upgrade hint when not.
- Admin CLI: python -m app.cli {grant-credit,revoke-credit,show-status}.
  grant-credit is idempotent — extends from max(now, current expiry) so
  re-running the command never erodes an existing grant.

Migrations 0013 (referrals) and 0014 (credit_until). Tests cover the
paid-status truth table, code generation + normalisation, CLI argument
parsing, and the pending-cookie ref roundtrip (29 new tests).

app/auth.py

@@ -87,15 +87,26 @@ def _pending_serializer() -> URLSafeTimedSerializer:
     return URLSafeTimedSerializer(secret, salt="cassandra-pending-v1")
 
 
-def sign_pending(email: str, user_id: int) -> str:
-    return _pending_serializer().dumps({"email": email, "uid": int(user_id)})
+def sign_pending(email: str, user_id: int, ref: str | None = None) -> str:
+    """Signed payload for the pending-verify cookie. Carries the email
+    + user_id under verification, and optionally a referral code captured
+    at signup (so it survives the GET → POST → /verify hop)."""
+    payload: dict = {"email": email, "uid": int(user_id)}
+    if ref:
+        payload["ref"] = ref
+    return _pending_serializer().dumps(payload)
 
 
 def verify_pending(cookie: str) -> dict | None:
-    """Returns {"email": str, "uid": int} or None if signature/expiry bad."""
+    """Returns {"email": str, "uid": int, "ref": str|None} or None if
+    signature/expiry bad."""
     try:
         data = _pending_serializer().loads(cookie, max_age=PENDING_TTL_SECONDS)
-        return {"email": str(data["email"]), "uid": int(data["uid"])}
+        return {
+            "email": str(data["email"]),
+            "uid": int(data["uid"]),
+            "ref": data.get("ref"),
+        }
     except (BadSignature, SignatureExpired, KeyError, TypeError, ValueError):
         return None
 

app/cli.py

@@ -0,0 +1,136 @@
+"""Admin CLI — runs inside the `app` container.
+
+Usage from the host::
+
+    docker compose exec app python -m app.cli grant-credit <email> <months>
+    docker compose exec app python -m app.cli revoke-credit <email>
+    docker compose exec app python -m app.cli show-status   <email>
+
+`grant-credit` is idempotent: it extends `users.credit_until` from
+``max(now, current_credit_until)``, so granting "1 month" twice gives
+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.
+"""
+from __future__ import annotations
+
+import argparse
+import asyncio
+import sys
+from datetime import datetime, timedelta, timezone
+
+from sqlalchemy import select
+
+from app.db import get_engine, get_session_factory
+from app.models import User
+from app.services.access import _aware, paid_status
+
+
+def _utcnow() -> datetime:
+    return datetime.now(timezone.utc)
+
+
+async def _get_user_by_email(session, email: str) -> User | None:
+    return (await session.execute(
+        select(User).where(User.email == email)
+    )).scalar_one_or_none()
+
+
+async def grant_credit(email: str, months: float) -> int:
+    if months <= 0:
+        print(f"error: months must be positive (got {months})", file=sys.stderr)
+        return 2
+    factory = get_session_factory()
+    async with factory() as session:
+        user = await _get_user_by_email(session, email)
+        if user is None:
+            print(f"error: no user with email {email!r}", file=sys.stderr)
+            return 1
+        anchor = max(_utcnow(), _aware(user.credit_until) or _utcnow())
+        # 30-day months — simple, predictable, no calendar arithmetic.
+        days = int(round(months * 30))
+        new_expiry = anchor + timedelta(days=days)
+        user.credit_until = new_expiry
+        await session.commit()
+        # Refresh status snapshot from the just-committed value.
+        st = paid_status(user)
+        print(
+            f"granted {months} month(s) to {email}: "
+            f"credit_until={new_expiry.isoformat()} "
+            f"(~{st.days_remaining} days remaining)"
+        )
+        return 0
+
+
+async def revoke_credit(email: str) -> int:
+    factory = get_session_factory()
+    async with factory() as session:
+        user = await _get_user_by_email(session, email)
+        if user is None:
+            print(f"error: no user with email {email!r}", file=sys.stderr)
+            return 1
+        user.credit_until = None
+        await session.commit()
+        print(f"revoked: credit_until cleared for {email}")
+        return 0
+
+
+async def show_status(email: str) -> int:
+    factory = get_session_factory()
+    async with factory() as session:
+        user = await _get_user_by_email(session, email)
+        if user is None:
+            print(f"error: no user with email {email!r}", file=sys.stderr)
+            return 1
+        st = paid_status(user)
+        print(f"email:        {user.email}")
+        print(f"tier:         {user.tier}")
+        print(f"credit_until: {user.credit_until or '—'}")
+        print(f"paid active:  {st.active} (source={st.source or '—'})")
+        if st.expires_at:
+            print(f"expires in:   {st.days_remaining} days")
+        return 0
+
+
+def build_parser() -> argparse.ArgumentParser:
+    p = argparse.ArgumentParser(prog="app.cli", description="Cassandra admin CLI")
+    sub = p.add_subparsers(dest="cmd", required=True)
+
+    g = sub.add_parser("grant-credit", help="Extend a user's paid-credit window")
+    g.add_argument("email")
+    g.add_argument("months", type=float)
+
+    r = sub.add_parser("revoke-credit", help="Clear a user's credit_until")
+    r.add_argument("email")
+
+    s = sub.add_parser("show-status", help="Print paid-tier status for a user")
+    s.add_argument("email")
+
+    return p
+
+
+async def _dispatch(args) -> int:
+    """Run the chosen sub-command, then dispose the async engine cleanly
+    so aiomysql's __del__ doesn't squawk at interpreter shutdown about a
+    closed event loop."""
+    try:
+        if args.cmd == "grant-credit":
+            return await grant_credit(args.email, args.months)
+        if args.cmd == "revoke-credit":
+            return await revoke_credit(args.email)
+        if args.cmd == "show-status":
+            return await show_status(args.email)
+        return 2
+    finally:
+        await get_engine().dispose()
+
+
+def main(argv: list[str] | None = None) -> int:
+    args = build_parser().parse_args(argv)
+    return asyncio.run(_dispatch(args))
+
+
+if __name__ == "__main__":
+    sys.exit(main())

app/models.py

@@ -159,8 +159,48 @@ 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: 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).
+    credit_until: Mapped[datetime | None] = mapped_column(
+        DateTime(timezone=True), nullable=True,
+    )
 
-    __table_args__ = (UniqueConstraint("email", name="uq_users_email"),)
+    __table_args__ = (
+        UniqueConstraint("email", name="uq_users_email"),
+        UniqueConstraint("referral_code", name="uq_users_referral_code"),
+    )
+
+
+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."""
+    __tablename__ = "referrals"
+    id: Mapped[int] = mapped_column(BigInteger, primary_key=True, autoincrement=True)
+    referrer_user_id: Mapped[int] = mapped_column(
+        ForeignKey("users.id", ondelete="CASCADE"), nullable=False,
+    )
+    referred_user_id: Mapped[int] = mapped_column(
+        ForeignKey("users.id", ondelete="CASCADE"), nullable=False,
+    )
+    created_at: Mapped[datetime] = mapped_column(DateTime(timezone=True), default=utcnow)
+    converted_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True))
+    credited_at: Mapped[datetime | None] = mapped_column(DateTime(timezone=True))
+
+    __table_args__ = (
+        UniqueConstraint("referred_user_id", name="uq_referrals_referred"),
+        Index("ix_referrals_referrer", "referrer_user_id"),
+    )
 
 
 class EmailOTP(Base):

app/routers/auth.py

@@ -36,7 +36,7 @@ from app.config import get_settings
 from app.db import get_session, utcnow
 from app.logging import get_logger
 from app.services.auth_service import AuthError, get_or_create_user, get_user
-from app.services import otp_service
+from app.services import otp_service, referral_service
 from app.services.email_service import EmailSendError, send_otp
 from app.templates_env import templates
 
@@ -67,10 +67,15 @@ def _set_session_cookie(response: RedirectResponse, user_id: int) -> None:
     )
 
 
-def _set_pending_cookie(response: RedirectResponse, email: str, user_id: int) -> None:
+def _set_pending_cookie(
+    response: RedirectResponse,
+    email: str,
+    user_id: int,
+    ref: str | None = None,
+) -> None:
     response.set_cookie(
         key=PENDING_COOKIE_NAME,
-        value=sign_pending(email, user_id),
+        value=sign_pending(email, user_id, ref=ref),
         max_age=PENDING_TTL_SECONDS,
         httponly=True,
         samesite="lax",
@@ -101,10 +106,29 @@ async def _issue_and_send_otp(session: AsyncSession, email: str) -> bool:
 
 
 @router.get("/login", response_class=HTMLResponse)
-async def login_page(request: Request, next: str | None = None, error: str | None = None):
+async def login_page(
+    request: Request,
+    next: str | None = None,
+    error: str | None = None,
+    ref: str | None = None,
+    session: AsyncSession = Depends(get_session),
+):
+    # If a valid referral code is supplied, surface a small "invited"
+    # banner. We resolve it server-side so the banner can show the
+    # referrer's actual greeting (and a bad code silently degrades).
+    ref_norm = referral_service.normalise_code(ref) if ref else None
+    referrer = (
+        await referral_service.lookup_referrer(session, ref_norm)
+        if ref_norm else None
+    )
     return templates.TemplateResponse(
         request, "login.html",
-        {"next_path": _safe_next(next), "error": error},
+        {
+            "next_path": _safe_next(next),
+            "error": error,
+            "ref": ref_norm if referrer else None,
+            "referrer_present": referrer is not None,
+        },
     )
 
 
@@ -113,9 +137,24 @@ async def login_submit(
     request: Request,
     email: str = Form(...),
     next: str | None = Form(default=None),
+    ref: str | None = Form(default=None),
     session: AsyncSession = Depends(get_session),
 ):
     s = get_settings()
+    # Look up the referrer up front so a bad code doesn't pollute the
+    # rest of the flow. Self-referral protection lives in
+    # referral_service.link_new_user.
+    ref_norm = referral_service.normalise_code(ref) if ref else None
+    referrer = (
+        await referral_service.lookup_referrer(session, ref_norm)
+        if ref_norm else None
+    )
+
+    # Track whether THIS request creates the user row (i.e. a referral
+    # capture window). Cleanest way: probe for existence first.
+    from app.services.auth_service import get_user_by_email
+    was_new = (await get_user_by_email(session, email)) is None
+
     try:
         user = await get_or_create_user(
             session, email, create_if_missing=s.CASSANDRA_SIGNUP_ENABLED,
@@ -123,10 +162,19 @@ async def login_submit(
     except AuthError as e:
         return templates.TemplateResponse(
             request, "login.html",
-            {"next_path": _safe_next(next), "error": str(e), "email": email},
+            {"next_path": _safe_next(next), "error": str(e), "email": email,
+             "ref": ref_norm if referrer else None,
+             "referrer_present": referrer is not None},
             status_code=400,
         )
 
+    # First-time signup with a valid referrer → persist the linkage now.
+    # We do this BEFORE OTP-verify because the row is already created;
+    # if the user abandons OTP we'll have an orphan link but that's
+    # harmless audit data.
+    if was_new and referrer is not None:
+        await referral_service.link_new_user(session, user, referrer)
+
     # Issue OTP only if cooldown allows; if a fresh one was sent in the
     # last 60s we just reuse the existing one (silently) to avoid
     # spamming the user's inbox on a refreshed form submit.
@@ -135,7 +183,13 @@ async def login_submit(
         await _issue_and_send_otp(session, user.email)
 
     resp = RedirectResponse(url="/verify", status_code=303)
-    _set_pending_cookie(resp, user.email, user.id)
+    # Stash the referral code on the pending cookie too — handy for
+    # showing the "invited" badge on the /verify page so the friend
+    # knows the discount is still tracking.
+    _set_pending_cookie(
+        resp, user.email, user.id,
+        ref=ref_norm if referrer is not None else None,
+    )
     return resp
 
 

app/routers/pages.py

@@ -8,10 +8,12 @@ from fastapi.responses import HTMLResponse
 from sqlalchemy import desc, func, select
 from sqlalchemy.ext.asyncio import AsyncSession
 
-from app.auth import require_token
+from app.auth import CurrentUser, require_auth, require_token
 from app.config import get_settings, load_groups
 from app.db import get_session
-from app.models import StrategicLog
+from app.models import Referral, StrategicLog, User
+from app.services.access import paid_status
+from app.services.referral_service import assign_code_if_missing
 from app.templates_env import templates
 
 router = APIRouter(dependencies=[Depends(require_token)])
@@ -84,3 +86,51 @@ async def log_page_day(
 ):
     target = await _resolve_log_date(session, day)
     return templates.TemplateResponse(request, "log.html", _log_page_context(target))
+
+
+@router.get("/settings", response_class=HTMLResponse)
+async def settings_page(
+    request: Request,
+    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."""
+    user = principal.user
+    if user is None:
+        # Bearer-token admin path — no per-user settings to show.
+        return templates.TemplateResponse(
+            request, "settings.html",
+            {"user": None, "invite_url": None,
+             "pending_count": 0, "converted_count": 0},
+        )
+
+    # Lazily assign a referral code on first visit.
+    user = await assign_code_if_missing(session, user)
+
+    # Stats: how many people have signed up with their code so far, and
+    # how many of those converted (paid). D.3 will fill `converted_at`.
+    pending_count = (await session.execute(
+        select(func.count(Referral.id))
+        .where(Referral.referrer_user_id == user.id)
+        .where(Referral.converted_at.is_(None))
+    )).scalar() or 0
+    converted_count = (await session.execute(
+        select(func.count(Referral.id))
+        .where(Referral.referrer_user_id == user.id)
+        .where(Referral.converted_at.is_not(None))
+    )).scalar() or 0
+
+    invite_url = str(request.url_for("login_page")) + f"?ref={user.referral_code}"
+
+    return templates.TemplateResponse(
+        request, "settings.html",
+        {
+            "user": user,
+            "invite_url": invite_url,
+            "pending_count": int(pending_count),
+            "converted_count": int(converted_count),
+            "paid": paid_status(user),
+        },
+    )

app/routers/universe.py

@@ -42,6 +42,7 @@ from app.db import get_session, utcnow
 from app.logging import get_logger
 from app.models import Quote, QuoteDaily
 from app.services import fx, portfolio_analysis, ticker_universe
+from app.services.access import require_paid
 from app.services.csv_import import CSVImportError, parse_t212_csv
 from app.services.instrument_map import resolve_slice
 from app.services.market import fetch as market_fetch
@@ -310,7 +311,7 @@ async def parse_portfolio(
 # ---------------------------------------------------------------------------
 
 
-@router.post("/analyze")
+@router.post("/analyze", dependencies=[Depends(require_paid)])
 async def analyze_portfolio(
     request: Request,
     session: AsyncSession = Depends(get_session),
@@ -318,7 +319,10 @@ async def analyze_portfolio(
     """Generate AI commentary for the supplied pie. The pie is held in
     memory only for the duration of the LLM call; nothing about holdings
     is persisted. The ai_calls ledger row records tokens + cost, never
-    holdings."""
+    holdings.
+
+    Gated behind ``require_paid`` (Phase D.2): 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.
     body = await request.body()

app/services/access.py

@@ -0,0 +1,95 @@
+"""Paid-tier access checks.
+
+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).
+
+Either is sufficient. We use a single ``paid_status`` function so the
+Settings page can show *why* a user has paid access ("paid subscription"
+vs "credit, 47 days left") without duplicating the rules.
+"""
+from __future__ import annotations
+
+from dataclasses import dataclass
+from datetime import datetime, timezone
+
+from fastapi import Depends, HTTPException, status
+
+from app.auth import CurrentUser, require_auth
+from app.models import User
+
+
+def _utcnow() -> datetime:
+    return datetime.now(timezone.utc)
+
+
+@dataclass(frozen=True)
+class PaidStatus:
+    """Snapshot of paid-tier status for one user."""
+    active: bool
+    source: str | None              # "tier" | "credit" | None
+    expires_at: datetime | None     # only meaningful when source == "credit"
+    days_remaining: int | None      # only meaningful when source == "credit"
+
+
+def _aware(dt: datetime | None) -> datetime | None:
+    """MariaDB round-trips DateTime(timezone=True) as a naive UTC value
+    via aiomysql. Normalise to tz-aware so comparisons against utcnow()
+    never raise."""
+    if dt is None:
+        return None
+    if dt.tzinfo is None:
+        return dt.replace(tzinfo=timezone.utc)
+    return dt
+
+
+def paid_status(user: User | None) -> PaidStatus:
+    """Compute paid-tier status for a User row. ``user=None`` (anonymous
+    or admin bearer-token) returns inactive — callers should special-case
+    admin separately via ``is_paid_active``."""
+    if user is None:
+        return PaidStatus(False, None, None, None)
+    if user.tier in ("paid", "enterprise"):
+        return PaidStatus(True, "tier", None, None)
+    cu = _aware(getattr(user, "credit_until", None))
+    if cu is not None and cu > _utcnow():
+        days = max(0, (cu - _utcnow()).days)
+        return PaidStatus(True, "credit", cu, days)
+    return PaidStatus(False, None, None, None)
+
+
+def is_paid_active(principal: CurrentUser | User | None) -> bool:
+    """True if the principal has paid-tier access right now. Admin
+    bearer-token (``CurrentUser.is_admin=True``) always passes."""
+    if principal is None:
+        return False
+    if isinstance(principal, CurrentUser):
+        if principal.is_admin:
+            return True
+        return paid_status(principal.user).active
+    return paid_status(principal).active
+
+
+async def require_paid(
+    principal: CurrentUser = Depends(require_auth),
+) -> CurrentUser:
+    """FastAPI dependency for paid-only endpoints. Returns the principal
+    on success; raises 402 Payment Required otherwise.
+
+    402 is the semantically-correct code for "auth succeeded but plan
+    insufficient" — distinct from 401 (not authenticated) and 403
+    (authenticated but forbidden by ACL). Frontends key off it to show
+    the upgrade prompt rather than redirecting to /login."""
+    if is_paid_active(principal):
+        return principal
+    raise HTTPException(
+        status_code=status.HTTP_402_PAYMENT_REQUIRED,
+        detail={
+            "code": "paid_required",
+            "message": "This feature requires an active paid plan or credit.",
+        },
+    )

app/services/referral_service.py

@@ -0,0 +1,119 @@
+"""Referral-code generation, lookup, and signup-time linkage.
+
+D.1 lays down the bookkeeping only — actual credit application happens
+in D.3 when the Paddle webhook fires. The flow:
+
+1. /login renders an "invited" banner when the URL carries `?ref=<code>`.
+2. The code travels through the email-OTP flow inside the pending cookie
+   so it survives the GET /login → POST /login → /verify hops.
+3. When the new user's row is first created (POST /login on an unknown
+   email), `referred_by_user_id` is set and a `Referral` row is written.
+4. On the new user's first paid subscription (D.3), we read the
+   `Referral` row to apply discounts to both parties.
+
+The code itself is 8 characters from an unambiguous alphabet so users
+can read it off a phone screen or dictate it over the phone.
+"""
+from __future__ import annotations
+
+import secrets
+
+from sqlalchemy import select
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from app.db import utcnow
+from app.logging import get_logger
+from app.models import Referral, User
+
+
+log = get_logger("referral")
+
+
+# Unambiguous alphabet — no 0/O, no 1/I/L. 32 chars → 8 positions ≈ 1e12
+# combinations, plenty for our scale, and a unique-constraint catches
+# collisions if we ever generate the same one twice.
+_ALPHABET = "ABCDEFGHJKMNPQRSTUVWXYZ23456789"
+_CODE_LEN = 8
+
+
+def generate_code() -> str:
+    """Cryptographically random 8-char code from the unambiguous alphabet."""
+    return "".join(secrets.choice(_ALPHABET) for _ in range(_CODE_LEN))
+
+
+def normalise_code(raw: str | None) -> str | None:
+    """Trim, uppercase, strip non-alphabet characters. Used on inbound
+    `?ref=<code>` params so users can paste with spaces / lowercase.
+    Returns None if the result isn't a plausible code."""
+    if not raw:
+        return None
+    cleaned = "".join(c for c in raw.upper() if c in _ALPHABET)
+    if len(cleaned) != _CODE_LEN:
+        return None
+    return cleaned
+
+
+async def assign_code_if_missing(session: AsyncSession, user: User) -> User:
+    """Generate + persist a referral code on `user` if they don't have
+    one yet. Retries on the (very rare) collision."""
+    if user.referral_code:
+        return user
+    for _ in range(8):
+        code = generate_code()
+        existing = (await session.execute(
+            select(User.id).where(User.referral_code == code)
+        )).scalar_one_or_none()
+        if existing is None:
+            user.referral_code = code
+            await session.commit()
+            await session.refresh(user)
+            log.info("referral.code_assigned", user_id=user.id, code=code)
+            return user
+    # 8 collisions in a row would be a statistical event we'd want to
+    # know about.
+    raise RuntimeError("referral_service: exhausted code-collision retries")
+
+
+async def lookup_referrer(session: AsyncSession, code: str | None) -> User | None:
+    """Return the User whose `referral_code` matches, or None. Normalises
+    the input via `normalise_code` so URL-paste variations all resolve."""
+    code = normalise_code(code)
+    if not code:
+        return None
+    return (await session.execute(
+        select(User).where(User.referral_code == code)
+    )).scalar_one_or_none()
+
+
+async def link_new_user(
+    session: AsyncSession,
+    new_user: User,
+    referrer: User | None,
+) -> Referral | None:
+    """Record a referral if the supplied referrer is valid. Idempotent
+    (safe to call multiple times for the same new user — the unique
+    constraint on `referred_user_id` makes duplicate inserts a no-op).
+
+    Self-referral is silently rejected.
+    """
+    if referrer is None or new_user.id is None or referrer.id == new_user.id:
+        return None
+    if new_user.referred_by_user_id is not None:
+        # Already linked; this user can't be referred twice.
+        return None
+
+    new_user.referred_by_user_id = referrer.id
+    ref = Referral(
+        referrer_user_id=referrer.id,
+        referred_user_id=new_user.id,
+        created_at=utcnow(),
+    )
+    session.add(ref)
+    await session.commit()
+    await session.refresh(new_user)
+    await session.refresh(ref)
+    log.info(
+        "referral.linked",
+        referrer_id=referrer.id, referred_id=new_user.id,
+    )
+    return ref

app/static/css/cassandra.css

@@ -774,6 +774,7 @@ details[open] .pf-analysis__head-left::before { content: "▾ "; }
 .badge--analysis-speculative { color: var(--accent); }
 
 .badge--ver { color: var(--dim); }
+.badge--ok  { color: var(--positive); border-color: var(--positive); }
 
 .meta__hint { color: var(--dim); font-size: 10px; margin-right: 4px; }
 
@@ -882,6 +883,139 @@ details[open] .pf-analysis__head-left::before { content: "▾ "; }
   margin-bottom: 14px;
   font-family: var(--font-mono);
 }
+.auth-info--invited {
+  /* Slightly warmer / friendlier shading for the referral banner. */
+  border-left-color: var(--positive);
+  background: color-mix(in srgb, var(--positive) 7%, transparent);
+  color: var(--text);
+  font-family: var(--font-sans);
+  font-size: 13px;
+  line-height: 1.5;
+}
+.auth-info--invited strong { color: var(--positive); font-weight: 600; }
+
+/* --- Settings page --------------------------------------------------- */
+
+.settings-row {
+  display: flex;
+  align-items: baseline;
+  gap: 14px;
+  padding: 8px 0;
+  border-bottom: 1px solid var(--surface-2);
+  font-size: 13px;
+}
+.settings-row__label {
+  width: 110px;
+  flex-shrink: 0;
+  color: var(--muted);
+  text-transform: uppercase;
+  letter-spacing: 0.06em;
+  font-size: 10.5px;
+  font-family: var(--font-mono);
+}
+.settings-row__value { color: var(--text); }
+.settings-row__hint {
+  color: var(--dim);
+  font-size: 11px;
+  margin-left: 8px;
+}
+
+.settings-section { margin-top: 22px; }
+.settings-section__head {
+  font-family: var(--font-mono);
+  font-size: 11px;
+  letter-spacing: 0.08em;
+  text-transform: uppercase;
+  color: var(--accent);
+  margin-bottom: 6px;
+}
+.settings-section__head::before { content: "▸ "; color: var(--accent); }
+.settings-section__lede {
+  color: var(--muted);
+  font-size: 12.5px;
+  line-height: 1.55;
+  margin: 0 0 14px;
+}
+.settings-section__lede strong { color: var(--positive); font-weight: 600; }
+
+.invite-block {
+  background: var(--surface-2);
+  border: 1px solid var(--border);
+  padding: 14px 16px;
+}
+.invite-block__label {
+  display: block;
+  font-family: var(--font-mono);
+  font-size: 10px;
+  letter-spacing: 0.08em;
+  text-transform: uppercase;
+  color: var(--muted);
+  margin-bottom: 4px;
+}
+.invite-block__label:not(:first-child) { margin-top: 12px; }
+.invite-block__code {
+  font-family: var(--font-mono);
+  font-size: 22px;
+  letter-spacing: 0.32em;
+  color: var(--accent);
+  background: var(--surface);
+  padding: 10px 14px;
+  border: 1px solid var(--accent);
+  text-align: center;
+  user-select: all;
+}
+.invite-block__link {
+  display: flex;
+  gap: 6px;
+}
+.invite-block__link input {
+  flex: 1;
+  background: var(--surface);
+  color: var(--text);
+  border: 1px solid var(--border);
+  padding: 7px 10px;
+  font-family: var(--font-mono);
+  font-size: 12px;
+}
+.invite-block__link button {
+  background: var(--accent);
+  color: var(--bg);
+  border: 0;
+  padding: 0 14px;
+  font-family: var(--font-mono);
+  font-size: 11px;
+  letter-spacing: 0.06em;
+  text-transform: uppercase;
+  cursor: pointer;
+}
+.invite-block__link button:hover { opacity: 0.85; }
+
+.invite-stats {
+  display: grid;
+  grid-template-columns: repeat(3, 1fr);
+  gap: 1px;
+  background: var(--border);
+  border: 1px solid var(--border);
+  margin-top: 16px;
+}
+.invite-stats > div {
+  background: var(--surface);
+  padding: 10px 14px;
+}
+.invite-stats__label {
+  font-family: var(--font-mono);
+  font-size: 10px;
+  letter-spacing: 0.08em;
+  text-transform: uppercase;
+  color: var(--muted);
+}
+.invite-stats__value {
+  font-family: var(--font-mono);
+  font-size: 18px;
+  color: var(--text);
+  font-variant-numeric: tabular-nums;
+  margin-top: 4px;
+}
 .auth-card__lede {
   font-size: 12.5px;
   color: var(--muted);

app/templates/base.html

@@ -139,10 +139,11 @@
   <header class="app-header">
     <div class="brand">Cassandra</div>
     <nav>
-      <a href="/"       class="{% if request.url.path == '/' %}active{% endif %}">Dashboard</a>
-      <a href="/news"   class="{% if request.url.path == '/news' %}active{% endif %}">News</a>
-      <a href="/log"    class="{% if request.url.path.startswith('/log') %}active{% endif %}">Log</a>
-      <a href="/upload" class="{% if request.url.path == '/upload' %}active{% endif %}">Import</a>
+      <a href="/"        class="{% if request.url.path == '/' %}active{% endif %}">Dashboard</a>
+      <a href="/news"    class="{% if request.url.path == '/news' %}active{% endif %}">News</a>
+      <a href="/log"     class="{% if request.url.path.startswith('/log') %}active{% endif %}">Log</a>
+      <a href="/upload"  class="{% if request.url.path == '/upload' %}active{% endif %}">Import</a>
+      <a href="/settings" class="{% if request.url.path == '/settings' %}active{% endif %}">Settings</a>
     </nav>
     <div class="header-right">
       <div id="tone-toggle" class="tone-toggle" data-tone="INTERMEDIATE"

app/templates/login.html

@@ -18,6 +18,14 @@
     <div class="auth-card__brand">Cassandra</div>
     <div class="auth-card__hint">sign in with email</div>
 
+    {% if referrer_present %}
+    <div class="auth-info auth-info--invited">
+      <strong>You've been invited.</strong>
+      When you subscribe, you and your friend both get
+      <strong>50% off for 3 months</strong>. Sign up below to lock it in.
+    </div>
+    {% endif %}
+
     <p class="auth-card__lede">
       Enter your email and we'll send you a 6-digit code. No password.
       First-time visitors get an account; returning visitors get a sign-in.
@@ -27,6 +35,7 @@
 
     <form method="post" action="/login" autocomplete="on">
       <input type="hidden" name="next" value="{{ next_path or '/' }}">
+      {% if ref %}<input type="hidden" name="ref" value="{{ ref }}">{% endif %}
       <label>Email
         <input type="email" name="email" value="{{ email or '' }}" required autofocus>
       </label>

app/templates/settings.html

@@ -0,0 +1,102 @@
+{% extends "base.html" %}
+{% block title %}Cassandra · Settings{% endblock %}
+
+{% block main %}
+<section class="panel" style="grid-column: 1 / -1; max-width: 760px; margin: 0 auto;">
+  <div class="panel-header">
+    <span class="title">Settings</span>
+    <span class="meta">your account &middot; client-only data unchanged</span>
+  </div>
+  <div class="panel-body" style="padding: 18px clamp(16px, 4vw, 32px) 24px;">
+
+    {% if not user %}
+      <div class="empty">no per-user settings (admin bearer-token session)</div>
+    {% else %}
+
+    <div class="settings-row">
+      <div class="settings-row__label">Email</div>
+      <div class="settings-row__value">{{ user.email }}</div>
+    </div>
+
+    <div class="settings-row">
+      <div class="settings-row__label">Tier</div>
+      <div class="settings-row__value">
+        <span class="badge {% if paid and paid.active %}badge--ok{% else %}badge--ver{% endif %}">
+          {{ user.tier }}{% if paid and paid.active and paid.source == "credit" %} · credit{% endif %}
+        </span>
+        {% if paid and paid.active %}
+          {% if paid.source == "credit" %}
+            <span class="settings-row__hint">
+              Paid features active via credit · {{ paid.days_remaining }} day(s) remaining
+              (expires {{ paid.expires_at.strftime("%Y-%m-%d") }}).
+            </span>
+          {% else %}
+            <span class="settings-row__hint">Paid subscription active.</span>
+          {% endif %}
+        {% else %}
+          <span class="settings-row__hint">Paid features unlock with Paddle (D.3) or invite credits.</span>
+        {% endif %}
+      </div>
+    </div>
+
+    {# --- Referral block ---------------------------------------------- #}
+    <div class="settings-section">
+      <div class="settings-section__head">Invite a friend</div>
+      <p class="settings-section__lede">
+        Share your invite link. When your friend subscribes, you and
+        they each get <strong>50% off for 3 months</strong>.
+      </p>
+
+      <div class="invite-block">
+        <label class="invite-block__label">Your code</label>
+        <div class="invite-block__code">{{ user.referral_code }}</div>
+
+        <label class="invite-block__label">Invite link</label>
+        <div class="invite-block__link">
+          <input type="text" id="invite-url" readonly value="{{ invite_url }}">
+          <button type="button" id="invite-copy">Copy</button>
+        </div>
+      </div>
+
+      <div class="invite-stats">
+        <div>
+          <div class="invite-stats__label">Pending signups</div>
+          <div class="invite-stats__value">{{ pending_count }}</div>
+        </div>
+        <div>
+          <div class="invite-stats__label">Converted (paid)</div>
+          <div class="invite-stats__value">{{ converted_count }}</div>
+        </div>
+        <div>
+          <div class="invite-stats__label">Active credits</div>
+          <div class="invite-stats__value settings-row__hint">— (D.3)</div>
+        </div>
+      </div>
+    </div>
+
+    {# Future: Paddle subscription block, AI-spend ledger summary, etc. #}
+
+    {% endif %}
+
+  </div>
+</section>
+
+<script>
+(function () {
+  var btn = document.getElementById('invite-copy');
+  var fld = document.getElementById('invite-url');
+  if (!btn || !fld) return;
+  btn.addEventListener('click', async function () {
+    try {
+      await navigator.clipboard.writeText(fld.value);
+      var orig = btn.textContent;
+      btn.textContent = 'Copied';
+      setTimeout(function () { btn.textContent = orig; }, 1500);
+    } catch (e) {
+      // Fallback for older browsers: select the input.
+      fld.select();
+    }
+  });
+})();
+</script>
+{% endblock %}