Add 'Gift access' — documenting the member gift-account feature

gift-access.md

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+# Gift access
+
+Membership comes with something to share: any member can **gift a friend
+access to the co-op**. A gift is **$5 of AI usage for 60 days** — the friend
+gets their own account and spends it in the chat and the API, with a
+dashboard showing what's left.
+
+The gift doesn't come out of your own balance. You can send one gift every
+30 days, and an address can receive one gift ever — gifts are for people new
+to the co-op.
+
+## How to send a gift
+
+Email [info@inference.coop](mailto:info@inference.coop) with your friend's
+name and email address. They get an **invitation email** from the co-op,
+naming you, with a link to set up their account — it takes about a minute.
+
+## What your guest receives
+
+- **The invitation email** with their setup link.
+- **$5 of credit** for the chat and the API, ready on their first login. The
+  $5 is a hard cap — usage stops when it's spent.
+- **Their own dashboard** at
+  [dashboard.inference.coop](https://dashboard.inference.coop) showing what's
+  left.
+- **The weekly newsletter** by email.
+- **These docs** — public to everyone already.
+
+Their access runs for **60 days**; the credits themselves don't expire early.
+
+## What guests can't do
+
+A gift is not membership. Guests don't get Matrix, the governance forum, or
+any vote in the co-op — the chat, the API, the dashboard, the docs and the
+newsletter are the whole gift. On their dashboard, a **Become a member**
+button sits where members see the credit-pack option.
+
+## When the gift ends
+
+The gift ends when **the $5 is spent or the 60 days are up**, whichever comes
+first, and your friend gets an email saying so. Access stops, but **the
+account and its data are kept** — if they become members later, everything
+picks up where it left off.
+
+## Cancelling early
+
+A guest can end their own gift at any time, with the **Cancel gift access**
+link on their dashboard. Unspent credit returns to the co-op; the account and
+its data are kept.
+
+## From gift to membership
+
+Becoming a member works the same for a guest as for anyone: contribute on
+[Open Collective](https://opencollective.com/inference-cooperative/contribute)
+and the account converts automatically — same login, same dashboard. Any
+unspent gift credit carries over onto the member balance. See
+[Become a member](getting-started.md#1-become-a-member) for how membership
+works.