Add the collaboration layer for Business spaces: owners invite people by email
(seat-capped per subscription), invitees accept via a tokened link to join as
members, and owners can remove members while members can leave. Paid-feature
gates (subscription middleware, open-banking) now resolve against the active
space's owner, so a member of a Business space gets its features without a plan
of their own. Members management and invitations live on the spaces settings
page.
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