v0.3 — AI pre-grade with CardGrade.io + credit system in the top nav

Two threads shipped today. They're independent but they ride together because one of them controls how you pay for the other.

AI pre-grade — the big one.

There's a new "Pre-grade" button in the action bar on every raw card's inspector. Click it and the card's front + back photos go to CardGrade.io's grading pipeline. ~1–4 minutes later a hero panel lands above the card's title with:

• An overall predicted grade (e.g. "PSA 9 — Mint") with a confidence percent
• Four sub-scores: centering, corners, edges, surface
• Three cross-grader predictions — what the same card would likely grade as on PSA, BGS, and CGC respectively
• A "limiting factor" line that calls out the specific defect holding the grade back ("minor whitening on top-right corner")
• A market-value range for the predicted grade, so you can do the "is this worth submitting?" math before you ship $25 of grading fees

Costs 25 credits per card, refunded automatically if the remote pipeline fails or times out. Only works on raw cards — slabbed cards already have an authoritative grade and the button is hidden. The button auto-hides while a grade is in progress; the hero panel shows a shimmering "Analyzing…" state with the current pipeline phase ("queued" → "processing") and auto-refreshes every 15 seconds.

The whole integration runs server-to-server with CardGrade's v1 API. Your card photos never go anywhere except CardGrade — same MinIO bucket pipeline that already serves your eBay listings.

Why this is here: pre-grading is the missing piece between "I have a raw card" and "I should submit this to PSA." Submission fees are $25+. You don't want to submit a card that won't clear $50, and you definitely don't want to skip submitting a card that grades a PSA 10. The grade prediction tells you which side of that line you're on — and now it lives inline on the inspector rather than as a separate workflow.

Credits in the top nav.

There's now a small "⚡ N" chip in the top navigation that shows your current AI credit balance. The chip is phase-aware:

• During the alpha (you, right now) it shows "25 ⚡ Alpha" — your one-time signup grant.
• When we open the beta, it'll show "50 ⚡ Beta" with a tooltip telling you when your next 50-credit top-up lands.
• At launch, it'll show just the count with a coral chip when it dips below 10.

Click the chip and you land on /settings/billing to top up.

The chip also drives a real billing posture: the alpha phase gives every account 25 credits one-time, the beta phase will refill anyone below 50 every 24 hours, and post-launch all free credits stop. That's enforced atomically inside the database — top-ups can't double-fire under concurrent requests, daily floors don't double-charge paid users (your 500-credit pack isn't reset down to 50), and existing alpha users automatically promote to the beta floor on their first beta-era page load with no manual migration.

What you'll notice in practice: today, nothing changes except the chip showing up. When we flip to beta — one config flag, no redeploy — your chip count will jump to 50 on next page load and start refilling daily.

— Jamie