diff --git a/lib/tasks/thinkfleet_memory.rake b/lib/tasks/thinkfleet_memory.rake
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+# frozen_string_literal: true
+
+# ThinkFleet Memory billing surface seeder.
+#
+# Idempotently provisions the four Memory plans (Dev / Team / Business /
+# Enterprise) plus their billable metrics, features, and entitlements for the
+# given organization. Mirrors the EngageIt isolation pattern: customers are
+# scoped to the `thinkfleet-memory` billing entity, while the plans themselves
+# live at the organization level (Lago plans don't carry a billing_entity_id).
+#
+# The product API at memory.thinkfleet.ai (memory-thinkfleet repo) reads these
+# entitlements via /plans/<code>/entitlements at request time. Feature codes
+# and privilege codes are the contract — they MUST match the constants in
+# packages/server/api/src/app/chatbot/agent-memory/billing/memory-entitlements.ts
+# on the consumer side.
+#
+# Usage:
+#   bin/rails 'thinkfleet_memory:seed[<organization_id>]'
+#   bin/rails 'thinkfleet_memory:seed[<organization_id>,dry_run]'
+#
+# Idempotency: every create is `find_or_create_by!` keyed by `code`. Re-running
+# after success is a no-op. Run with `dry_run` second arg to print intended
+# actions without persisting.
+#
+# Re-applying entitlement values: existing entitlement values for the same
+# (entitlement, privilege) pair are UPDATED (not duplicated). Run again to
+# bump quotas without touching customer subscriptions.
+
+namespace :thinkfleet_memory do
+  BILLING_ENTITY_CODE = "thinkfleet-memory"
+  BILLING_ENTITY_NAME = "ThinkFleet Memory"
+
+  METRICS = [
+    {code: "memory.events_ingested.used", name: "Memory events ingested",
+     aggregation_type: :sum_agg, field_name: "amount"},
+    {code: "memory.predictions.used", name: "Memory predictions",
+     aggregation_type: :sum_agg, field_name: "amount"}
+  ].freeze
+
+  # Each feature declares the privilege CATALOG it can carry. Plans fill in
+  # concrete values per (feature, privilege).
+  FEATURES = [
+    {code: "memory.subjects", name: "Memory subjects",
+     privileges: [{code: "limit", name: "Subject limit", value_type: "integer"}]},
+    {code: "memory.active_triggers", name: "Active triggers",
+     privileges: [{code: "limit", name: "Active trigger limit", value_type: "integer"}]},
+    {code: "memory.events_ingested", name: "Events ingested per month",
+     privileges: [{code: "included_monthly", name: "Included monthly events", value_type: "integer"}]},
+    {code: "memory.predictions", name: "Predictions per month",
+     privileges: [{code: "included_monthly", name: "Included monthly predictions", value_type: "integer"}]},
+    {code: "memory.health_vertical", name: "Health vertical estimator", privileges: []},
+    {code: "memory.finance_vertical", name: "Finance vertical estimator", privileges: []},
+    {code: "memory.on_device", name: "On-device deployment", privileges: []},
+    {code: "memory.vpc_deployment", name: "VPC deployment", privileges: []},
+    {code: "memory.audit_retention", name: "Audit log retention",
+     privileges: [{code: "retention_days", name: "Retention days", value_type: "integer"}]}
+  ].freeze
+
+  # Plan entitlements: feature_code => { privilege_code => value, ... }
+  # Empty hash = feature attached, no privilege value (boolean / unlimited).
+  PLANS = [
+    {
+      code: "memory-dev",
+      name: "Memory Dev",
+      description: "Free tier — integrate the SDK, prove the value.",
+      amount_cents: 0,
+      interval: :monthly,
+      trial_period: 0,
+      entitlements: {
+        "memory.subjects" => {"limit" => 500},
+        "memory.active_triggers" => {"limit" => 3},
+        "memory.events_ingested" => {"included_monthly" => 10_000},
+        "memory.predictions" => {"included_monthly" => 1_000},
+        "memory.audit_retention" => {"retention_days" => 30}
+      }
+    },
+    {
+      code: "memory-team",
+      name: "Memory Team",
+      description: "For small ops teams running one workflow in production.",
+      amount_cents: 19_900,
+      interval: :monthly,
+      trial_period: 14,
+      entitlements: {
+        "memory.subjects" => {"limit" => 10_000},
+        "memory.active_triggers" => {},
+        "memory.events_ingested" => {"included_monthly" => 250_000},
+        "memory.predictions" => {"included_monthly" => 25_000},
+        "memory.audit_retention" => {"retention_days" => 90}
+      }
+    },
+    {
+      code: "memory-business",
+      name: "Memory Business",
+      description: "Production-grade memory + one vertical estimator + VPC option.",
+      amount_cents: 149_900,
+      interval: :monthly,
+      trial_period: 14,
+      entitlements: {
+        "memory.subjects" => {"limit" => 100_000},
+        "memory.active_triggers" => {},
+        "memory.events_ingested" => {"included_monthly" => 5_000_000},
+        "memory.predictions" => {"included_monthly" => 500_000},
+        "memory.audit_retention" => {"retention_days" => 365},
+        "memory.vpc_deployment" => {},
+        "memory.health_vertical" => {}
+      }
+    },
+    {
+      code: "memory-enterprise",
+      name: "Memory Enterprise",
+      description: "Unlimited scale, all verticals, on-device, 7-year audit, custom SLA.",
+      amount_cents: 0,
+      interval: :monthly,
+      trial_period: 0,
+      entitlements: {
+        "memory.subjects" => {},
+        "memory.active_triggers" => {},
+        "memory.events_ingested" => {},
+        "memory.predictions" => {},
+        "memory.audit_retention" => {"retention_days" => 2555},
+        "memory.vpc_deployment" => {},
+        "memory.on_device" => {},
+        "memory.health_vertical" => {},
+        "memory.finance_vertical" => {}
+      }
+    }
+  ].freeze
+
+  desc "Seed ThinkFleet Memory plans + entitlements for one organization"
+  task :seed, %i[organization_id mode] => :environment do |_task, args|
+    organization_id = args[:organization_id]
+    dry_run = args[:mode].to_s == "dry_run"
+
+    abort <<~MSG unless organization_id
+      Missing organization_id argument.
+
+      Usage:
+        bin/rails 'thinkfleet_memory:seed[<organization_id>]'
+        bin/rails 'thinkfleet_memory:seed[<organization_id>,dry_run]'
+    MSG
+
+    organization = Organization.find(organization_id)
+    puts "Seeding ThinkFleet Memory in organization #{organization.id} (#{organization.name})"
+    puts "  dry_run: #{dry_run}"
+    puts ""
+
+    ActiveRecord::Base.transaction do
+      ensure_billing_entity!(organization, dry_run:)
+      METRICS.each { |m| ensure_metric!(organization, m, dry_run:) }
+      FEATURES.each { |f| ensure_feature!(organization, f, dry_run:) }
+      PLANS.each { |p| ensure_plan!(organization, p, dry_run:) }
+      raise ActiveRecord::Rollback if dry_run
+    end
+
+    puts ""
+    puts dry_run ? "[dry_run] no changes persisted" : "✓ done"
+  end
+
+  def self.ensure_billing_entity!(organization, dry_run:)
+    existing = organization.billing_entities.find_by(code: BILLING_ENTITY_CODE)
+    if existing
+      puts "✓ billing entity '#{BILLING_ENTITY_CODE}' already exists"
+      return existing
+    end
+    puts "+ creating billing entity '#{BILLING_ENTITY_CODE}'"
+    return nil if dry_run
+    organization.billing_entities.create!(
+      code: BILLING_ENTITY_CODE,
+      name: BILLING_ENTITY_NAME,
+      default_currency: "USD",
+      document_locale: organization.document_locale.presence || "en",
+      timezone: organization.timezone.presence || "UTC"
+    )
+  end
+
+  def self.ensure_metric!(organization, spec, dry_run:)
+    existing = organization.billable_metrics.where(code: spec[:code]).first
+    if existing
+      puts "✓ metric '#{spec[:code]}' already exists"
+      return existing
+    end
+    puts "+ creating metric '#{spec[:code]}'"
+    return nil if dry_run
+    organization.billable_metrics.create!(
+      code: spec[:code],
+      name: spec[:name],
+      aggregation_type: spec[:aggregation_type],
+      field_name: spec[:field_name]
+    )
+  end
+
+  def self.ensure_feature!(organization, spec, dry_run:)
+    feature = organization.features.find_by(code: spec[:code])
+    if feature
+      puts "✓ feature '#{spec[:code]}' already exists"
+    else
+      puts "+ creating feature '#{spec[:code]}'"
+      return nil if dry_run
+      feature = organization.features.create!(
+        code: spec[:code],
+        name: spec[:name]
+      )
+    end
+
+    spec[:privileges].each do |priv_spec|
+      existing_priv = feature.privileges.find_by(code: priv_spec[:code])
+      if existing_priv
+        puts "  ✓ privilege '#{spec[:code]}.#{priv_spec[:code]}' already exists"
+      else
+        puts "  + creating privilege '#{spec[:code]}.#{priv_spec[:code]}'"
+        next if dry_run
+        feature.privileges.create!(
+          organization: organization,
+          code: priv_spec[:code],
+          name: priv_spec[:name],
+          value_type: priv_spec[:value_type]
+        )
+      end
+    end
+    feature
+  end
+
+  def self.ensure_plan!(organization, spec, dry_run:)
+    plan = organization.plans.find_by(code: spec[:code])
+    if plan
+      puts "~ plan '#{spec[:code]}' exists; updating metadata"
+      unless dry_run
+        plan.update!(
+          name: spec[:name],
+          description: spec[:description],
+          amount_cents: spec[:amount_cents],
+          interval: spec[:interval],
+          trial_period: spec[:trial_period],
+          amount_currency: "USD"
+        )
+      end
+    else
+      puts "+ creating plan '#{spec[:code]}'"
+      return nil if dry_run
+      plan = organization.plans.create!(
+        code: spec[:code],
+        name: spec[:name],
+        description: spec[:description],
+        interval: spec[:interval],
+        amount_cents: spec[:amount_cents],
+        amount_currency: "USD",
+        trial_period: spec[:trial_period],
+        pay_in_advance: true
+      )
+    end
+
+    apply_plan_entitlements!(organization, plan, spec[:entitlements], dry_run:)
+    plan
+  end
+
+  def self.apply_plan_entitlements!(organization, plan, entitlements_spec, dry_run:)
+    entitlements_spec.each do |feature_code, privilege_values|
+      feature = organization.features.find_by(code: feature_code)
+      unless feature
+        warn "  ! feature '#{feature_code}' not found; skipping entitlement on plan '#{plan.code}'"
+        next
+      end
+
+      entitlement = plan.entitlements.find_by(entitlement_feature_id: feature.id)
+      if entitlement
+        puts "  ✓ plan '#{plan.code}' already entitles feature '#{feature_code}'"
+      else
+        puts "  + entitling plan '#{plan.code}' with feature '#{feature_code}'"
+        next if dry_run
+        entitlement = Entitlement::Entitlement.create!(
+          organization: organization,
+          plan: plan,
+          feature: feature
+        )
+      end
+
+      next if dry_run
+
+      privilege_values.each do |priv_code, value|
+        privilege = feature.privileges.find_by(code: priv_code)
+        unless privilege
+          warn "  ! privilege '#{feature_code}.#{priv_code}' not declared; skipping"
+          next
+        end
+        existing_val = entitlement.values.find_by(entitlement_privilege_id: privilege.id)
+        coerced = value.is_a?(Numeric) ? value.to_s : value.to_s
+        if existing_val
+          if existing_val.value == coerced
+            puts "    ✓ '#{feature_code}.#{priv_code}' = #{coerced} (unchanged)"
+          else
+            puts "    ~ '#{feature_code}.#{priv_code}' = #{existing_val.value} → #{coerced}"
+            existing_val.update!(value: coerced)
+          end
+        else
+          puts "    + '#{feature_code}.#{priv_code}' = #{coerced}"
+          Entitlement::EntitlementValue.create!(
+            organization: organization,
+            entitlement: entitlement,
+            privilege: privilege,
+            value: coerced
+          )
+        end
+      end
+    end
+  end
+end