feat(desktop+server): Phase 3.2 Premium LLM — Anthropic Claude 프리미엄 파이프라인 + 모델별 쿼터 + SaaS UI

빅뱅 8/8 마지막 성공 기준 달성. Supabase Edge Function(llm-proxy)을 통해
Anthropic Claude를 호출하는 PremiumLLMService 신규 구현. 사용자가 Settings에서
Local/Premium 백엔드를 선택하면 VoiceModeService가 자동 분기하고, Premium 실패 시
Local로 silent fallback + 상단 중앙 배너 알림.

실측: Claude Haiku refine 1.6~3.2초 (이전 qwen3 42.9초 → 13~27배 빠름).

주요 변경:
- PremiumLLMService 신규 (싱글톤+EventEmitter, processText/chatStream,
  Supabase functions.invoke 기반, _ensureAuth 가드)
- llm-prompts.ts: SYSTEM_PROMPTS를 Local/Premium 공유 모듈로 추출
  (resolveSystemPrompt 헬퍼)
- VoiceModeService: _getLLMProcessor → _runProcessorWithFallback 라우터 +
  premium-llm-fallback 이벤트
- CloudSyncService: getAccessToken(async), getAnonKey, invokeFunction(auth
  헤더 자동 처리, 에러 body 파싱)
- IPC: LLM.PREMIUM_* 채널 6개 + preload API + llm-handlers 이벤트 전달
  (safeSendToRenderer 헬퍼)
- AppConfig.llmBackend: 'local' | 'premium' (기본 'local')
- Settings UI: Backend 드롭다운 + Premium 선택 시 Ollama UI 숨김 + 라이선스
  모달 자동 오픈
- AppLayout: 상단 중앙 Snackbar fallback 배너 (8초, warning filled)
- LicenseModal: 라이선스 키 입력 제거 → SaaS 구독 관리 UI 전환
  (Free/Pro/Pro+ 업그레이드 버튼, Payple 준비 중 스텁)
- 등급 비교 표: featureLabel i18n 번역 수정

서버 (Supabase Edge Functions):
- quota.ts: 모델별 쿼터 구조 (llm_haiku/sonnet/opus × free/pro/pro_plus),
  주간/일간 기간 분리, modelToQuotaKey 매핑, consumeQuota baseLimit 파라미터화
- llm-proxy: 모델별 쿼터 체크 + 소비 (checkQuota → consumeQuota 원자적),
  verify_jwt=false (2026 sb_publishable_ 키 호환)
- config.toml: llm-proxy verify_jwt = false
- migration 20260412000001: tier team→pro_plus 통일, subscriptions.overage_credits
  컬럼, consume_quota RPC (원자적 base→overage fallback)

Tier/쿼터:
- free: Haiku 250/주간, Sonnet/Opus 불가
- pro ₩9,900: Haiku 1500/일, Sonnet 300/일, Opus 50/일
- pro_plus ₩29,900: Haiku 무제한, Sonnet 1500/일, Opus 300/일
- api-client SubscriptionTier: team→pro_plus, overage_credits 필드 추가

apps/desktop/src/renderer/components/SettingsModal.tsx

@@ -693,43 +693,78 @@ export function SettingsModal({ open, onClose }: SettingsModalProps): React.Reac
           <TabPanel value={activeTab} index={3}>
             <Box sx={{ display: 'flex', flexDirection: 'column', gap: 2 }}>
               <Typography variant="overline" sx={{ color: d3roPalette.text.label, letterSpacing: '1.5px' }}>
-                {t('settings.ollamaServer')}
-              </Typography>
-
-              <TextField
-                label={t('settings.ollamaUrl')}
-                value={config.ollamaServerUrl ?? 'http://localhost:11434'}
-                onChange={(e) => updateConfig('ollamaServerUrl', e.target.value)}
-                fullWidth
-              />
-
-              <Typography variant="body2" sx={{ color: d3roPalette.text.inactive, fontSize: '11px' }}>
-                {t('settings.ollamaHint')}
-              </Typography>
-
-              <Divider sx={{ borderColor: d3roPalette.border.subtle }} />
-
-              <Typography variant="overline" sx={{ color: d3roPalette.text.label, letterSpacing: '1.5px' }}>
-                {t('settings.llmModel')}
+                {t('settings.llmBackend')}
               </Typography>
 
               <FormControl size="small">
-                <InputLabel>{t('settings.llmModel')}</InputLabel>
+                <InputLabel>{t('settings.llmBackend')}</InputLabel>
                 <Select
-                  label={t('settings.llmModel')}
-                  value={(config as Record<string, unknown>)['llmModelId'] as string ?? ''}
+                  label={t('settings.llmBackend')}
+                  value={config.llmBackend ?? 'local'}
                   onChange={(e) => {
-                    updateConfig('llmModelId' as keyof AppConfig, e.target.value as never)
+                    const next = e.target.value
+                    updateConfig('llmBackend', next)
+                    if (next === 'premium') {
+                      // Premium 선택 시 항상 라이선스 모달 — 현재 티어/쿼터/업그레이드 안내
+                      window.dispatchEvent(new Event('d3ro:open-license-modal'))
+                    }
                   }}
                 >
-                  {llmModels.map((model) => (
-                    <MenuItem key={model.id} value={model.id}>
-                      {model.name} ({model.parameterSize})
-                    </MenuItem>
-                  ))}
+                  <MenuItem value="local">{t('settings.backend.local')}</MenuItem>
+                  <MenuItem value="premium">{t('settings.backend.premium')}</MenuItem>
                 </Select>
               </FormControl>
 
+              <Typography variant="body2" sx={{ color: d3roPalette.text.inactive, fontSize: '11px' }}>
+                {config.llmBackend === 'premium'
+                  ? t('settings.backend.premiumHint')
+                  : t('settings.backend.localHint')}
+              </Typography>
+
+              {config.llmBackend !== 'premium' && (
+                <>
+                  <Divider sx={{ borderColor: d3roPalette.border.subtle }} />
+
+                  <Typography variant="overline" sx={{ color: d3roPalette.text.label, letterSpacing: '1.5px' }}>
+                    {t('settings.ollamaServer')}
+                  </Typography>
+
+                  <TextField
+                    label={t('settings.ollamaUrl')}
+                    value={config.ollamaServerUrl ?? 'http://localhost:11434'}
+                    onChange={(e) => updateConfig('ollamaServerUrl', e.target.value)}
+                    fullWidth
+                  />
+
+                  <Typography variant="body2" sx={{ color: d3roPalette.text.inactive, fontSize: '11px' }}>
+                    {t('settings.ollamaHint')}
+                  </Typography>
+
+                  <Divider sx={{ borderColor: d3roPalette.border.subtle }} />
+
+                  <Typography variant="overline" sx={{ color: d3roPalette.text.label, letterSpacing: '1.5px' }}>
+                    {t('settings.llmModel')}
+                  </Typography>
+
+                  <FormControl size="small">
+                    <InputLabel>{t('settings.llmModel')}</InputLabel>
+                    <Select
+                      label={t('settings.llmModel')}
+                      value={(config as Record<string, unknown>)['llmModelId'] as string ?? ''}
+                      onChange={(e) => {
+                        updateConfig('llmModelId' as keyof AppConfig, e.target.value as never)
+                      }}
+                    >
+                      {llmModels.map((model) => (
+                        <MenuItem key={model.id} value={model.id}>
+                          {model.name} ({model.parameterSize})
+                        </MenuItem>
+                      ))}
+                    </Select>
+                  </FormControl>
+                </>
+              )}
+
               <Divider sx={{ borderColor: d3roPalette.border.subtle }} />
 
               <Typography variant="overline" sx={{ color: d3roPalette.text.label, letterSpacing: '1.5px' }}>