feat: use in-memory MCP server to skip HTTP auth issues

[sweetmantech]

Summary

• Replace HTTP MCP client with in-memory transport in setupToolsForRequest.ts
• Eliminates network roundtrip and auth complexity for internal MCP tool usage
• Fixes "No authorization provided" error when chat endpoint calls MCP tools

Test plan

• Verify chat endpoint works without auth errors
• Confirm MCP tools are available and functional
• Test streaming chat responses

🤖 Generated with Claude Code

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Project	Deployment	Review	Updated (UTC)
recoup-api	Ready	Preview	Jan 16, 2026 0:25am

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