Modes
Local uses createLocalAdapter. It is free and stays in the browser. It has the same transitions and no production security claim.
BYO ($9.99) fetches live app config and stores RFQ records on your backend through RfqAdapter or createByoAdapter(impl).
Hosted ($19.99) stores structured RFQ records on Bootstrapware. Attachment bytes stay on the host. Live Hosted writes need Hosted. Live publishable keys require an author token. Test keys require one only when the published app sets requireAuthorToken.