feat(api): accept organizationId in chat requests with auth validation

[sweetmantech]

Summary

• Add organizationId field to chat request schema for /api/chat and /api/chat/generate endpoints
• Create validateOrganizationAccess function to verify if an account can operate on behalf of an organization
• Validate membership before using provided organizationId to override org context
• Return 403 error when user is not authorized for the specified organization

Test plan

• Unit tests for validateOrganizationAccess function
• Unit tests for organizationId validation in validateChatRequest
• All 503 tests passing
• Manual testing with frontend passing organizationId

🤖 Generated with Claude Code

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Project	Deployment	Review	Updated (UTC)
recoup-api	Ready	Preview	Jan 16, 2026 1:54am

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