Stablecoin subscriptions: separate renewal from paid access

<p>A customer pays 30 USDC for a month of access. Two weeks later, they cancel. Your app receives the cancellation event and flips <code>is_active</code> to <code>false</code>.</p> <p>Now they're locked out of time they already paid for.</p> <p>For a stablecoin subscription, track three things separately: <strong>whether a payment succeeded, whether another payment is scheduled, and how long acces

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