Top up credits

docs://recipes/top-up-credits — the firm is out of credits

Use when a send would need more credits than the balance (X_CREDITS_INSUFFICIENT), or the lawyer
asks how to buy more. There is NO tool that buys or grants credits, and there never will be one
for an agent: credits move only when a person pays in the panel or Notificado staff grant them.
Invoices for what the firm paid: docs://recipes/download-an-invoice.

1. whoami({})
   → orgId
   skip if you already hold orgId

2. manage_resource({resource:"notifications", action:"creditsBalance", params:{orgId:"<orgId>"}})
   → balance, nextExpiryAt, nextExpiryCredits, mode, trial
   One credit = one recipient of one notification, consumed when the lawyer confirms a send.
   `mode` decides everything below. X_CREDITS_INSUFFICIENT carries the same value in `meta.mode`.

3a. mode = "free" — this deployment sells nothing (www.notificado.co sells packs since
   2026-09-30; "free" is a deployment with checkout off); the free sends are the whole allowance.
   Tell the lawyer, in this order:
   - how many credits they have and how many the pending send needs;
   - the free sends: trial.granted, trial.remaining, and trial.expiresAt (in America/Bogota);
   - that the free sends are used up (or will not cover this send);
   - that for more free sends now they can write to admin@notificado.co — Notificado staff can
     grant credits.
   Never point them at a page to buy: there is none while mode is "free". A checkout call answers
   X_PAYMENT_CHECKOUT_DISABLED, which means checkout is not ready in this deployment, not a
   problem with their account.

3b. mode = "paid" — Tell the lawyer, in this order:
   - how many credits they have and how many the pending send needs;
   - when the soonest batch expires (nextExpiryAt, in America/Bogota), if any;
   - that an owner or billing member buys credits at https://www.notificado.co/creditos.

4. Stop. Do not request a send until they say credits arrived (a purchase went through, or support
   granted them); then run step 2 again to check before you continue. Or offer to send to at most
   `balance` recipients now.

Done when the lawyer knows the balance, what is missing, and — by mode — where to buy or whom to
write to.

Tips
- Where the credits went:
  manage_resource({resource:"billing", action:"ledgerList", params:{orgId:"<orgId>", limit:50}})
  lists every grant, consume (with its notificationId and radicado), expiry and correction.
- A send request (awaiting_confirmation) does not reserve credits; they are taken when the lawyer
  confirms. A confirmation can still fail with X_CREDITS_INSUFFICIENT if the balance dropped.
- Never suggest splitting recipients across notifications to "save" credits — the cost is per
  recipient either way.