v2.4.0

route soft-pull 422 and Connect 403 through the real error-handler branches

Stripe Customer Portal integration with return path

connect: cached Merchant Connect status + signed account.updated webhook

connect: Stripe Connect external adapter + read-first /v2/connect endpoints

honor billingCadence on /v2/billing/plan and plumb real annual prices

LeadFi soft-pull endpoint with server-side consent IP and FCRA evidence record

mint stable opaque CustomerChatIdentity (CI id) from phone verification

model LeadFi inquiry result on real response schema from /leadfi samples

prizegames: sweepstakes backend for wheel/dice/card per the KAN-307 contract

read ChatKitty application ID from CHATKITTY_APPLICATION_ID env var

move prize-games backend off dev to feature/KAN-307-prize-games