# Billing Service

Owns: Stripe integration, tier management, subscription CRUD.

## Tables owned (write)
- `subscriptions`

## Endpoints
- `POST /billing/checkout`
- `POST /billing/webhook` (Stripe, no JWT auth)
- `GET /billing/subscription`
- `DELETE /billing/subscription`

## Redis channels
- Publish: `tier:changed:{user_id}` on tier change