We decided to draw the line at whether the end user has direct control over table schemas. If users can specify the schema to be used, it's a database service and needs a license. If you're fitting everything into a generic schema (even if the user can specify things that look like new columns in the UI), it's an application and doesn't need a special license.
The details are in the "additional usage grant" clause: https://github.com/cockroachdb/cockroach/blob/8acfe8ffd0028c...
We decided to draw the line at whether the end user has direct control over table schemas. If users can specify the schema to be used, it's a database service and needs a license. If you're fitting everything into a generic schema (even if the user can specify things that look like new columns in the UI), it's an application and doesn't need a special license.