feat: support both Privy JWT and API key for MCP authentication

[sweetmantech]

Summary

• Add getAccountIdByApiKey function to validate API keys via hash lookup
• Update verifyBearerToken to try Privy JWT validation first, then fall back to API key validation
• Recoup-Chat uses Privy access tokens, external clients can use API keys

Test plan

• Test MCP endpoint with Privy JWT token (from Recoup-Chat)
• Test MCP endpoint with API key (from external clients)
• Verify unauthorized requests are rejected

🤖 Generated with Claude Code

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Project	Deployment	Review	Updated (UTC)
recoup-api	Ready	Preview	Jan 15, 2026 9:37pm

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