Switch SMS billing to credit units with IRT top-ups.
Balance is SMS credits (1 per 64 chars); top-ups add floor(IRT/500) credits, track sms_sent_count, and convert existing IRT balances. Co-authored-by: Cursor <cursoragent@cursor.com>
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-- Convert prepaid SMS balance from IRT to credit units.
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-- Previous billing: 400 IRT per 64-char segment.
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-- New model: balance is SMS credits (1 credit = 1 segment); top-up at 500 IRT/credit.
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-- Preserve existing prepaid capacity: IRT / 400 → credits.
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UPDATE businesses
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SET sms_balance = sms_balance / 400
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WHERE sms_balance > 0;
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COMMENT ON COLUMN businesses.sms_balance IS
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'Prepaid SMS credit units. 1 unit = one 64-character segment per recipient. Top-up adds floor(IRT / 500) credits.';
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