8518d46c96
## Summary - **Gate bank connection flow** — free-tier users see an upgrade dialog instead of the bank connection flow (connections page, account creation dialog). Backend 402 guard added as safety net in `AuthorizationController`. - **Billing page upgrade UI** — non-subscribed users see a plan selector with monthly/yearly options and an upgrade CTA; subscribed users see the existing Stripe portal button. Connected Bank Accounts added as the headline benefit. - **Upgrade dialog** now redirects to `/settings/billing` (plan selector) instead of the checkout page directly. - **Spanish translations** added for all new UI strings. ## Screenshots <img width="804" height="509" alt="image" src="https://github.com/user-attachments/assets/6238f72a-a5e2-45f8-974a-7a664f976b83" /> <img width="1122" height="892" alt="image" src="https://github.com/user-attachments/assets/8438bbe2-d3ec-48fb-b3c0-33a940dd94a7" /> |
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