Require users to create Contact when create Account

Require users to create Contact when create Account

Dear Zoho team, 

We need : 
1/ User must create Contact after create Account, if not can not create Account, ( or remind user to create contact for that account later ) 
2/ User must fill in either email or phone number ( or remind them to do so ) 

Conditions in workflow , validation, ... for Account do not have Contact fields , so I can not do anything 
Do we need to write custom action or ... ? Please suggest me 

And one more question on blueprint : 
- User can only create invoices or estimate in Blueprint only, not in invoice/ estimate tab or in contact/ account page ?