Welcome credits (spec 8b earned pool v1) + official rehearsal rate card

Every account gets welcomeCredits (25, rate-card configurable) via an
idempotent lazy grant on dashboard load, so existing members receive theirs
retroactively. earned_credits table with JSON fallback; Overview stat shows
the purchased/welcome split. Chatbot facts and canned answers synced;
homepage free-membership list mentions the welcome batch. Rate card
promoted from placeholder to decided and persisted in the volume.
Spending integration for the earned pool is the next engine build.
Assets v=20260905b.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

ads.js

@@ -20,7 +20,8 @@ function rates() {
     bannerBatch: 10, bannerCreditsPerBatch: 2,
     textBatch: 10, textCreditsPerBatch: 1,
     loginCreditsPerDay: 100,
-    burnBatchMin: 50
+    burnBatchMin: 50,
+    welcomeCredits: 25 // PLACEHOLDER until Marty sets the rate card (spec §8b earned pool)
   }, saved);
 }
 function setRates(patch) {
@@ -240,6 +241,43 @@ const D = {
   }
 };
 
+// ---- earned/welcome credits (spec §8b second pool: engine-side, never
+// on-chain; welcome grant is idempotent and lazy so existing accounts get
+// theirs on next dashboard load) ----
+const EJ = {
+  db: null,
+  FILE: () => path.join(DATA_DIR, 'earned.json'),
+  load() { try { this.db = JSON.parse(fs.readFileSync(this.FILE(), 'utf8')); } catch (e) { this.db = {}; } },
+  save() { try { fs.writeFileSync(this.FILE(), JSON.stringify(this.db)); } catch (e) {} }
+};
+async function earnedBalance(email) {
+  const e = String(email || '').toLowerCase();
+  if (!e) return 0;
+  if (db.enabled()) {
+    const r = await db.q('SELECT balance FROM earned_credits WHERE email=?', [e]);
+    return r.length ? r[0].balance : 0;
+  }
+  if (!EJ.db) EJ.load();
+  return (EJ.db[e] && EJ.db[e].balance) || 0;
+}
+async function grantWelcome(email) {
+  const e = String(email || '').toLowerCase();
+  if (!e) return 0;
+  const amount = rates().welcomeCredits || 0;
+  if (db.enabled()) {
+    await db.q(`INSERT INTO earned_credits (email,balance,granted_welcome,updated) VALUES (?,?,1,?)
+      ON DUPLICATE KEY UPDATE balance = balance + IF(granted_welcome=0, ?, 0),
+      granted_welcome = 1, updated = VALUES(updated)`, [e, amount, Date.now(), amount]);
+    return earnedBalance(e);
+  }
+  if (!EJ.db) EJ.load();
+  if (!EJ.db[e] || !EJ.db[e].welcomed) {
+    EJ.db[e] = { balance: ((EJ.db[e] && EJ.db[e].balance) || 0) + amount, welcomed: true };
+    EJ.save();
+  }
+  return (EJ.db[e] && EJ.db[e].balance) || 0;
+}
+
 const impl = () => db.enabled() ? D : J;
 function init(opts) { DATA_DIR = opts.dataDir; chain = opts.chain; J.load(); }
 
@@ -266,4 +304,4 @@ async function pendingBurns() { return impl().pendingBurns(); }
 async function markBurned(id, tx) { return impl().markBurned(id, tx); }
 
 module.exports = { init, rates, setRates, createCampaign, listCampaigns, setStatus,
-  serve, click, dailySweep, availableCredits, pendingBurns, markBurned };
+  serve, click, dailySweep, availableCredits, earnedBalance, grantWelcome, pendingBurns, markBurned };