fix(entitlements): close paywall leaks on interactive bank, SKV, and email routes (#910)

* fix(entitlements): close paywall leaks on interactive bank, SKV, and email routes

The capability gate covered crons, MCP tools, and invoice send, but four
interactive server paths still bypassed it ahead of the 2026-07-07 trial
cutover:

- enable-banking POST /connect and /sync (bank_sync)
- skatteverket authorize/validate/draft/lock/submit/spara/las/kontrollera/
  skattekonto-sync (skatteverket); unlock and all reads stay free, and the
  AGI/VAT file download path remains ungated per the manual-filing decision
- salary payslip email send (email_send)
- recurring-invoice auto-send (email_send); the invoice is still created,
  only the email is withheld (freeze-and-retain)

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

* test(entitlements): pin unlock routes as paywall-free recovery paths

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

---------

Co-authored-by: Claude Opus 4.7 <noreply@anthropic.com>

extensions/general/enable-banking/__tests__/session-expired.test.ts

@@ -14,6 +14,10 @@ vi.mock('../lib/sync', () => ({
   syncAccountTransactions: vi.fn(),
 }))
 
+vi.mock('@/lib/entitlements/has-capability', () => ({
+  requireCapability: vi.fn().mockResolvedValue(null),
+}))
+
 import {
   isSessionExpiredResponse,
   SessionExpiredError,

extensions/general/enable-banking/__tests__/sync-filter.test.ts

@@ -1,4 +1,9 @@
 import { describe, it, expect, vi, beforeEach } from 'vitest'
+
+vi.mock('@/lib/entitlements/has-capability', () => ({
+  requireCapability: vi.fn().mockResolvedValue(null),
+}))
+
 import { enableBankingExtension } from '../index'
 import type { ExtensionContext } from '@/lib/extensions/types'
 import type { StoredAccount } from '../types'

extensions/general/enable-banking/index.ts

@@ -15,6 +15,8 @@ import {
   DEFAULT_UNATTENDED_CONFIDENCE_THRESHOLD,
 } from '@/lib/reconciliation/bank-reconciliation'
 import { checkRateLimit } from '@/lib/auth/rate-limit-http'
+import { requireCapability } from '@/lib/entitlements/has-capability'
+import { CAPABILITY } from '@/lib/entitlements/keys'
 import type { StoredAccount } from './types'
 import type { Transaction } from '@/types'
 
@@ -107,6 +109,9 @@ export const enableBankingExtension: Extension = {
         }
         const companyId = ctx.companyId
 
+        const blocked = await requireCapability(supabase, companyId, CAPABILITY.bank_sync)
+        if (blocked) return blocked
+
         const { aspsp_name, aspsp_country, psu_type: explicitPsuType, connection_id: reconnectId } = await request.json()
 
         // Reconnect mode: re-authorize an EXISTING connection in place (no
@@ -410,6 +415,9 @@ export const enableBankingExtension: Extension = {
         }
         const companyId = ctx.companyId
 
+        const blocked = await requireCapability(supabase, companyId, CAPABILITY.bank_sync)
+        if (blocked) return blocked
+
         const rl = await checkRateLimit({
           prefix: 'enable-banking:sync',
           identifier: user.id,