Unlock Contact

Unlock (reveal) a recommended lender contact — the v2 reveal money path (MCP-411).

Charges BillingActionCodes.SCH_053 ("Add a lender to a deal", ~200 credits) via ContactController.unlock_contact_for_account (reserve→settle), flipping the contact's paid flag. Idempotent per account via that flag — re-calling does not double-charge. After unlock the contact's identity (name, email, phone) is revealed here, on GET /contacts/{id}, and on the placement that holds it.

Scoped to ai:actions (not contacts:write): unlocking spends credits, so it is grouped with the other credit-spending action (search-lenders) rather than plain CRM writes — a contacts:write-only integration cannot spend.

Returns 402 (insufficient_credits) when the account can't afford the charge; the structured envelope carries action_code / cost / balance. A cross-account or unknown contact_id returns 404.