feat: storage and token limiting

lib/stripe.ts

@@ -0,0 +1,13 @@
+import Stripe from "stripe"
+import config from "./config"
+
+export const stripeClient: Stripe | null = config.stripe.secretKey
+  ? new Stripe(config.stripe.secretKey, {
+      apiVersion: "2025-03-31.basil",
+    })
+  : null
+
+// Type guard to check if Stripe is initialized
+export const isStripeEnabled = (client: Stripe | null): client is Stripe => {
+  return client !== null
+}