IAV-491 : integrate credit microservice with full subscription management
- Display user wallet with all balance types (main, extra, referral)
- Display subscription plans with pricing and features
- Implement first subscription flow via Stripe Checkout
- Implement subscription change (upgrade/downgrade) with credit refund calculation
- Implement extra credit purchase with one-time payment
- Handle Stripe webhooks for payment confirmation and credit allocation
Closes IAV-491