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+# HOA LedgerIQ -- Payment, Onboarding & Authentication Guide
+
+> **Version:** 2026.03.17
+> **Last updated:** March 17, 2026
+> **Migration:** `db/migrations/015-saas-onboarding-auth.sql`
+
+---
+
+## Table of Contents
+
+1. [High-Level Flow](#1-high-level-flow)
+2. [Stripe Billing & Checkout](#2-stripe-billing--checkout)
+3. [Provisioning Pipeline](#3-provisioning-pipeline)
+4. [Account Activation (Magic Link)](#4-account-activation-magic-link)
+5. [Guided Onboarding Checklist](#5-guided-onboarding-checklist)
+6. [Authentication & Sessions](#6-authentication--sessions)
+7. [Multi-Factor Authentication (TOTP)](#7-multi-factor-authentication-totp)
+8. [Single Sign-On (SSO)](#8-single-sign-on-sso)
+9. [Passkeys (WebAuthn)](#9-passkeys-webauthn)
+10. [Environment Variables Reference](#10-environment-variables-reference)
+11. [Manual Intervention & Ops Tasks](#11-manual-intervention--ops-tasks)
+12. [What's Stubbed vs. Production-Ready](#12-whats-stubbed-vs-production-ready)
+13. [API Endpoint Reference](#13-api-endpoint-reference)
+
+---
+
+## 1. High-Level Flow
+
+```
+Visitor hits /pricing
+        |
+        v
+Selects a plan (Starter $29 / Professional $79 / Enterprise $199)
+        |
+        v
+POST /api/billing/create-checkout-session
+        |
+        v
+Redirect to Stripe Checkout (hosted by Stripe)
+        |
+        v
+Stripe fires `checkout.session.completed` webhook
+        |
+        v
+Backend provisions: org -> schema -> user -> invite token -> "email"
+        |
+        v
+Frontend polls GET /api/billing/status?session_id=xxx
+        |  (OnboardingPendingPage polls every 3s)
+        v
+Status returns "active" -> user is redirected to /login
+        |
+        v
+User clicks activation link from "email" (logged to console + DB)
+        |
+        v
+GET /activate?token=xxx -> validates token
+POST /activate -> sets password + name, issues session
+        |
+        v
+Redirect to /onboarding (4-step guided wizard)
+        |
+        v
+Dashboard
+```
+
+---
+
+## 2. Stripe Billing & Checkout
+
+### Plans
+
+| Plan ID        | Name         | Price   | Unit Limit |
+|---------------|--------------|---------|------------|
+| `starter`      | Starter      | $29/mo  | 50 units   |
+| `professional` | Professional | $79/mo  | 200 units  |
+| `enterprise`   | Enterprise   | $199/mo | Unlimited  |
+
+### Checkout Flow
+
+1. **Frontend** (`PricingPage.tsx`): User enters email + business name, selects a plan.
+2. **API call**: `POST /api/billing/create-checkout-session`
+   - Body: `{ planId, email?, businessName? }`
+   - Returns: `{ url }` (Stripe hosted checkout URL)
+   - No auth required.
+3. **Redirect**: Frontend does `window.location.href = url` to send user to Stripe.
+4. **On success**: Stripe redirects to `/onboarding/pending?session_id={CHECKOUT_SESSION_ID}`.
+5. **On cancel**: Stripe redirects back to `/pricing`.
+
+### Webhook Events Handled
+
+The webhook endpoint is `POST /api/webhooks/stripe`.
+
+| Event | Action |
+|-------|--------|
+| `checkout.session.completed` | Triggers full provisioning pipeline |
+| `invoice.payment_succeeded` | Sets org status to `active` (handles reactivation after failed payment) |
+| `invoice.payment_failed` | Sends payment-failed "email" (stubbed) |
+| `customer.subscription.deleted` | Sets org status to `archived` |
+
+All webhook events are deduplicated via the `shared.stripe_events` table (idempotency by Stripe event ID).
+
+### Stripe Customer Portal
+
+`POST /api/billing/portal` (auth required) -- creates a Stripe Customer Portal session for managing subscription/payment methods. **Note: currently throws "not implemented" -- needs org-context customer ID lookup.**
+
+---
+
+## 3. Provisioning Pipeline
+
+When `checkout.session.completed` fires, the backend runs **inline provisioning** (no background queue):
+
+1. **Create organization** in `shared.organizations` with:
+   - `name` = business name from checkout metadata
+   - `schema_name` = `tenant_{random_12_chars}`
+   - `status` = `active`
+   - `plan_level` = selected plan
+   - `stripe_customer_id` + `stripe_subscription_id`
+   - Uses `ON CONFLICT (stripe_customer_id)` for idempotency
+
+2. **Create tenant schema** via `TenantSchemaService.createTenantSchema()`:
+   - Runs the full tenant DDL (accounts, journal entries, etc.)
+   - Skips if schema already exists
+
+3. **Create or find user** in `shared.users` by email:
+   - New users are created with `is_email_verified = false` and no password
+   - Existing users are reused (linked to new org)
+
+4. **Create membership** in `shared.user_organizations`:
+   - Role: `president`
+   - Idempotent via `ON CONFLICT DO NOTHING`
+
+5. **Generate invite token** (JWT signed with `INVITE_TOKEN_SECRET`, 72-hour expiry):
+   - SHA-256 hash stored in `shared.invite_tokens`
+   - Raw token used in activation URL
+
+6. **Send activation "email"** (stubbed -- see section 12):
+   - Logged to console and `shared.email_log` table
+   - Contains activation URL: `{APP_URL}/activate?token={jwt}`
+
+7. **Initialize onboarding** progress row in `shared.onboarding_progress`
+
+### Provisioning Status Polling
+
+`GET /api/billing/status?session_id=xxx` (no auth required)
+
+Returns: `{ status }` where status is one of:
+- `not_configured` -- Stripe not set up
+- `pending` -- no customer ID yet
+- `provisioning` -- org exists but not active yet
+- `active` -- ready to go
+
+The `OnboardingPendingPage` polls this every 3 seconds and redirects to `/login` once active.
+
+---
+
+## 4. Account Activation (Magic Link)
+
+### Validate Token
+
+`GET /api/auth/activate?token=xxx` (no auth required)
+
+- Verifies JWT signature (using `INVITE_TOKEN_SECRET`)
+- Checks `shared.invite_tokens` for existence, expiration, and prior use
+- Returns: `{ valid, email, orgName, orgId, userId }`
+
+### Activate Account
+
+`POST /api/auth/activate` (no auth required)
+
+- Body: `{ token, password, fullName }`
+- Password must be >= 8 characters
+- Sets `password_hash`, `first_name`, `last_name`, `is_email_verified = true`
+- Marks invite token as used (`used_at = NOW()`)
+- Issues full session (access token + refresh token cookie)
+- Frontend redirects to `/onboarding`
+
+### Frontend (ActivatePage.tsx)
+
+- Validates token on mount
+- Shows password setup form with strength indicator (color-coded bar)
+- On success: stores auth in Zustand and navigates to `/onboarding`
+
+---
+
+## 5. Guided Onboarding Checklist
+
+### Required Steps
+
+| Step Key         | UI Label       | Description |
+|-----------------|----------------|-------------|
+| `profile`        | Profile        | Set up user profile |
+| `workspace`      | Workspace      | Configure organization settings |
+| `invite_member`  | Invite Member  | Invite at least one team member |
+| `first_workflow` | First Account  | Create the first chart-of-accounts entry |
+
+### API
+
+- `GET /api/onboarding/progress` (auth required): Returns `{ completedSteps[], completedAt, requiredSteps[] }`
+- `PATCH /api/onboarding/progress` (auth required): Body `{ step }` -- marks a step complete
+
+Steps are stored as a PostgreSQL text array. When all 4 required steps are complete, `completed_at` is set. Users can skip onboarding via a "Finish Later" button (navigates to dashboard).
+
+### Frontend (OnboardingPage.tsx)
+
+- Mantine Stepper with 4 steps
+- Each step calls `PATCH /onboarding/progress` on completion
+- Celebration screen shown when all steps are done
+
+---
+
+## 6. Authentication & Sessions
+
+### Token Architecture
+
+| Token | Type | Lifetime | Storage |
+|-------|------|----------|---------|
+| Access token | JWT | 1 hour | Frontend Zustand store (memory/localStorage) |
+| Refresh token | Opaque (base64url, 64 bytes) | 30 days | httpOnly cookie (`ledgeriq_rt`) |
+| MFA challenge | JWT | 5 minutes | Frontend state (in-memory only) |
+| Invite/activation | JWT | 72 hours | URL query parameter |
+
+### Refresh Token Flow
+
+1. Access token expires (401 from any API call)
+2. Axios interceptor catches 401, calls `POST /api/auth/refresh`
+3. Refresh token is sent automatically via httpOnly cookie
+4. Server validates token hash in `shared.refresh_tokens` table
+5. New access token issued (refresh token is NOT rotated)
+6. Original failed request is replayed with new token
+7. Concurrent requests are queued during refresh (no thundering herd)
+
+### Cookie Configuration
+
+- Name: `ledgeriq_rt`
+- Path: `/api/auth`
+- httpOnly: `true`
+- Secure: `true` in production, `false` in dev
+- SameSite: `strict`
+- Max-Age: 30 days
+
+### Session Endpoints
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `POST` | `/api/auth/login` | No | Email + password login |
+| `POST` | `/api/auth/register` | No | Create account |
+| `POST` | `/api/auth/refresh` | Cookie | Refresh access token |
+| `POST` | `/api/auth/logout` | Cookie | Revoke current refresh token |
+| `POST` | `/api/auth/logout-everywhere` | JWT | Revoke all user sessions |
+| `POST` | `/api/auth/switch-org` | JWT | Switch org context (new tokens) |
+
+---
+
+## 7. Multi-Factor Authentication (TOTP)
+
+### Setup Flow
+
+1. User goes to Settings > Security > Two-Factor Auth tab
+2. `POST /api/auth/mfa/setup` -- returns `{ qrCodeDataUrl, secret, uri }`
+3. User scans QR code in authenticator app (Google Authenticator, Authy, etc.)
+4. User enters 6-digit code to confirm
+5. `POST /api/auth/mfa/enable` with `{ token }` -- returns `{ recoveryCodes[] }`
+6. **User must save their 10 recovery codes** (displayed once, bcrypt-hashed in DB)
+
+### Login with MFA
+
+1. `POST /api/auth/login` returns `{ mfaRequired: true, mfaToken }` instead of session
+2. Frontend shows 6-digit PIN input (or recovery code input)
+3. `POST /api/auth/mfa/verify` with `{ mfaToken, token, useRecovery? }`
+4. On success: full session issued (access token + refresh cookie)
+
+### Recovery Codes
+
+- 10 codes generated on MFA enable
+- Each code is single-use (removed from array after verification)
+- Codes are bcrypt-hashed in `shared.users.recovery_codes` (JSON array)
+
+### MFA Endpoints
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `POST` | `/api/auth/mfa/setup` | JWT | Generate QR + secret |
+| `POST` | `/api/auth/mfa/enable` | JWT | Verify code and enable MFA |
+| `POST` | `/api/auth/mfa/verify` | No (uses mfaToken) | Verify during login |
+| `POST` | `/api/auth/mfa/disable` | JWT | Disable MFA (requires password) |
+| `GET`  | `/api/auth/mfa/status` | JWT | Check if MFA is enabled |
+
+### Tech Stack
+
+- Library: `otplib` v4 (`generateSecret`, `generateURI`, `verifySync`)
+- QR codes: `qrcode` package (data URL output)
+- Recovery codes: `crypto.randomBytes` + `bcryptjs`
+
+---
+
+## 8. Single Sign-On (SSO)
+
+### Supported Providers
+
+| Provider | Library | Env Vars Required |
+|----------|---------|-------------------|
+| Google | `passport-google-oauth20` | `GOOGLE_CLIENT_ID`, `GOOGLE_CLIENT_SECRET`, `GOOGLE_CALLBACK_URL` |
+| Microsoft/Azure AD | `passport-azure-ad` | `AZURE_CLIENT_ID`, `AZURE_CLIENT_SECRET`, `AZURE_TENANT_ID`, `AZURE_CALLBACK_URL` |
+
+SSO providers are **conditionally loaded** -- they only appear on the login page if their env vars are configured. The `GET /api/auth/sso/providers` endpoint returns `{ google: boolean, azure: boolean }`.
+
+### SSO Login Flow
+
+1. Frontend redirects to `/api/auth/google` or `/api/auth/azure`
+2. Passport handles OAuth redirect to provider
+3. Provider redirects back to `/api/auth/{provider}/callback`
+4. Backend creates or links user via `SsoService.findOrCreateSsoUser()`
+5. Session tokens issued, redirect to `/sso-callback?token={accessToken}`
+
+### Account Linking
+
+- SSO fields stored on `shared.users`: `sso_provider`, `sso_id`
+- If email matches existing user, SSO is auto-linked on first login
+- Users can unlink: `DELETE /api/auth/sso/unlink/:provider`
+
+### SSO Endpoints
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `GET` | `/api/auth/sso/providers` | No | List configured providers |
+| `GET` | `/api/auth/google/callback` | No (OAuth) | Google callback |
+| `GET` | `/api/auth/azure/callback` | No (OAuth) | Azure callback |
+| `DELETE` | `/api/auth/sso/unlink/:provider` | JWT | Unlink SSO provider |
+
+---
+
+## 9. Passkeys (WebAuthn)
+
+### Registration Flow (authenticated user)
+
+1. `POST /api/auth/passkeys/register-options` -- returns WebAuthn creation options
+2. Browser `navigator.credentials.create()` via `@simplewebauthn/browser`
+3. `POST /api/auth/passkeys/register` with `{ response, deviceName? }`
+4. Credential stored in `shared.user_passkeys`
+
+### Login Flow (unauthenticated)
+
+1. `POST /api/auth/passkeys/login-options` with `{ email? }` -- returns assertion options
+2. Browser `navigator.credentials.get()` via `@simplewebauthn/browser`
+3. `POST /api/auth/passkeys/login` with `{ response, challenge }`
+4. Full session issued on success
+
+### Passkey Endpoints
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `POST` | `/api/auth/passkeys/register-options` | JWT | Get registration options |
+| `POST` | `/api/auth/passkeys/register` | JWT | Complete registration |
+| `POST` | `/api/auth/passkeys/login-options` | No | Get authentication options |
+| `POST` | `/api/auth/passkeys/login` | No | Authenticate with passkey |
+| `GET`  | `/api/auth/passkeys` | JWT | List registered passkeys |
+| `DELETE` | `/api/auth/passkeys/:id` | JWT | Remove a passkey |
+
+### Configuration
+
+- `WEBAUTHN_RP_ID` -- Relying party ID (e.g., `localhost` for dev, `yourdomain.com` for prod)
+- `WEBAUTHN_RP_ORIGIN` -- Expected origin (e.g., `http://localhost` or `https://yourdomain.com`)
+- Passkey removal is blocked if the user has no password and no other passkeys (prevents lockout)
+
+---
+
+## 10. Environment Variables Reference
+
+### Stripe (Required for billing)
+
+| Variable | Example | Description |
+|----------|---------|-------------|
+| `STRIPE_SECRET_KEY` | `sk_test_...` | Stripe secret key. Must NOT contain "placeholder" to activate. |
+| `STRIPE_WEBHOOK_SECRET` | `whsec_...` | Webhook endpoint signing secret |
+| `STRIPE_STARTER_PRICE_ID` | `price_...` | Stripe Price ID for Starter plan |
+| `STRIPE_PROFESSIONAL_PRICE_ID` | `price_...` | Stripe Price ID for Professional plan |
+| `STRIPE_ENTERPRISE_PRICE_ID` | `price_...` | Stripe Price ID for Enterprise plan |
+
+### SSO (Optional -- features hidden when not set)
+
+| Variable | Example | Description |
+|----------|---------|-------------|
+| `GOOGLE_CLIENT_ID` | `xxx.apps.googleusercontent.com` | Google OAuth client ID |
+| `GOOGLE_CLIENT_SECRET` | `GOCSPX-...` | Google OAuth client secret |
+| `GOOGLE_CALLBACK_URL` | `http://localhost/api/auth/google/callback` | OAuth redirect URI |
+| `AZURE_CLIENT_ID` | `uuid` | Azure AD application (client) ID |
+| `AZURE_CLIENT_SECRET` | `...` | Azure AD client secret |
+| `AZURE_TENANT_ID` | `uuid` | Azure AD tenant (directory) ID |
+| `AZURE_CALLBACK_URL` | `http://localhost/api/auth/azure/callback` | OAuth redirect URI |
+
+### WebAuthn / Passkeys
+
+| Variable | Default | Description |
+|----------|---------|-------------|
+| `WEBAUTHN_RP_ID` | `localhost` | Relying party identifier (your domain) |
+| `WEBAUTHN_RP_ORIGIN` | `http://localhost` | Expected browser origin |
+
+### Other
+
+| Variable | Default | Description |
+|----------|---------|-------------|
+| `INVITE_TOKEN_SECRET` | `dev-invite-secret` | Secret for signing invite/activation JWTs. **Change in production.** |
+| `APP_URL` | `http://localhost` | Base URL for generated links (activation emails, Stripe redirects) |
+
+---
+
+## 11. Manual Intervention & Ops Tasks
+
+### Before Going Live
+
+1. **Set up Stripe products and prices** in the Stripe Dashboard:
+   - Create 3 products (Starter, Professional, Enterprise)
+   - Create monthly recurring prices for each
+   - Copy the Price IDs into `STRIPE_STARTER_PRICE_ID`, etc.
+
+2. **Configure the Stripe webhook** in the Stripe Dashboard:
+   - Endpoint URL: `https://yourdomain.com/api/webhooks/stripe`
+   - Events to subscribe: `checkout.session.completed`, `invoice.payment_succeeded`, `invoice.payment_failed`, `customer.subscription.deleted`
+   - Copy the webhook signing secret to `STRIPE_WEBHOOK_SECRET`
+
+3. **Replace the email stub** with a real provider:
+   - `backend/src/modules/email/email.service.ts` currently logs to console + DB
+   - Swap in Resend, SendGrid, SES, or your preferred provider
+   - The four email methods to implement: `sendActivationEmail`, `sendWelcomeEmail`, `sendPaymentFailedEmail`, `sendInviteMemberEmail`
+
+4. **Set production secrets**:
+   - `INVITE_TOKEN_SECRET` -- use a strong random string (not `dev-invite-secret`)
+   - `JWT_SECRET` -- already required, verify it's strong
+   - `WEBAUTHN_RP_ID` and `WEBAUTHN_RP_ORIGIN` -- set to your production domain
+
+5. **Configure SSO providers** (if desired):
+   - Register apps in Google Cloud Console and/or Azure AD
+   - Set the callback URLs to your production domain
+   - Add client IDs and secrets to env vars
+
+6. **Set up the Stripe Customer Portal** in Stripe Dashboard:
+   - Configure allowed actions (cancel, upgrade/downgrade, payment method updates)
+   - The `/api/billing/portal` endpoint needs the org-context customer ID lookup completed
+
+### Ongoing Ops
+
+7. **Refresh token cleanup**: The `RefreshTokenService.cleanupExpired()` method deletes tokens that have been expired or revoked for 7+ days. **This is not currently called on a schedule.** Options:
+   - Add a cron job / scheduled task that calls it periodically
+   - Or add a NestJS `@Cron()` decorator (requires `@nestjs/schedule`)
+
+8. **Monitor `shared.email_log`**: While email is stubbed, activation URLs are only visible in:
+   - Backend console logs (look for lines starting with `EMAIL STUB`)
+   - The `shared.email_log` table (query: `SELECT * FROM shared.email_log ORDER BY sent_at DESC`)
+
+9. **Finding activation URLs manually** (dev/testing):
+   ```sql
+   SELECT to_email, metadata->>'activationUrl' AS url, sent_at
+   FROM shared.email_log
+   WHERE template = 'activation'
+   ORDER BY sent_at DESC
+   LIMIT 10;
+   ```
+
+10. **Resend an activation email**: `POST /api/auth/resend-activation` with `{ email }` is stubbed (always returns success). To manually generate a new token:
+    ```sql
+    -- Find the user and org
+    SELECT u.id AS user_id, uo.organization_id
+    FROM shared.users u
+    JOIN shared.user_organizations uo ON uo.user_id = u.id
+    WHERE u.email = 'user@example.com';
+    ```
+    Then call `authService.generateInviteToken(userId, orgId, email)` or trigger a fresh checkout.
+
+11. **Deprovisioning / cancellation**: When a Stripe subscription is deleted, the org is set to `archived`. Archived orgs:
+    - Block login (users see "Your organization has been suspended")
+    - Block API access (403 on org-scoped endpoints)
+    - Data is preserved (schema is NOT deleted)
+    - To restore: update `status` back to `active` in `shared.organizations`
+
+---
+
+## 12. What's Stubbed vs. Production-Ready
+
+| Component | Status | Notes |
+|-----------|--------|-------|
+| Stripe Checkout | **Ready** (test mode) | Switch to live keys for production |
+| Stripe Webhooks | **Ready** | Signature verification, idempotency, event dispatch all implemented |
+| Stripe Customer Portal | **Stubbed** | Endpoint exists but needs org-context customer ID lookup |
+| Provisioning (org + schema + user) | **Ready** | Inline (synchronous). Consider BullMQ queue for production scale. |
+| Email service | **Stubbed** | Logs to console + `shared.email_log`. Replace with real SMTP/API provider. |
+| Activation (magic link) | **Ready** | Works end-to-end (token generation, validation, password set, session issue) |
+| Onboarding checklist | **Ready** | Server-side progress tracking, step completion, UI wizard |
+| Refresh tokens | **Ready** | Creation, validation, revocation, cleanup method (needs scheduling) |
+| TOTP MFA | **Ready** | Setup, enable, verify, recovery codes, disable |
+| SSO (Google) | **Ready** (needs keys) | Conditional loading, user creation/linking |
+| SSO (Azure AD) | **Ready** (needs keys) | Uses deprecated `passport-azure-ad` (works, consider `@azure/msal-node`) |
+| Passkeys (WebAuthn) | **Ready** | Registration, authentication, removal with lockout protection |
+| Resend activation | **Stubbed** | Always returns success, no actual email sent |
+
+---
+
+## 13. API Endpoint Reference
+
+### Billing (no auth unless noted)
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `POST` | `/api/billing/create-checkout-session` | No | Create Stripe Checkout, returns `{ url }` |
+| `POST` | `/api/webhooks/stripe` | Stripe sig | Webhook receiver |
+| `GET`  | `/api/billing/status?session_id=` | No | Poll provisioning status |
+| `POST` | `/api/billing/portal` | JWT | Stripe Customer Portal (stubbed) |
+
+### Auth
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `POST` | `/api/auth/register` | No | Register new user |
+| `POST` | `/api/auth/login` | No | Login (may return MFA challenge) |
+| `POST` | `/api/auth/refresh` | Cookie | Refresh access token |
+| `POST` | `/api/auth/logout` | Cookie | Logout current session |
+| `POST` | `/api/auth/logout-everywhere` | JWT | Revoke all sessions |
+| `GET`  | `/api/auth/activate?token=` | No | Validate activation token |
+| `POST` | `/api/auth/activate` | No | Set password + activate |
+| `POST` | `/api/auth/resend-activation` | No | Resend activation (stubbed) |
+| `GET`  | `/api/auth/profile` | JWT | Get user profile |
+| `POST` | `/api/auth/switch-org` | JWT | Switch organization |
+
+### MFA
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `POST` | `/api/auth/mfa/setup` | JWT | Generate QR code + secret |
+| `POST` | `/api/auth/mfa/enable` | JWT | Enable MFA with TOTP code |
+| `POST` | `/api/auth/mfa/verify` | mfaToken | Verify during login |
+| `POST` | `/api/auth/mfa/disable` | JWT | Disable (requires password) |
+| `GET`  | `/api/auth/mfa/status` | JWT | Check MFA status |
+
+### SSO
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `GET`  | `/api/auth/sso/providers` | No | List available providers |
+| `GET`  | `/api/auth/google/callback` | OAuth | Google callback handler |
+| `GET`  | `/api/auth/azure/callback` | OAuth | Azure callback handler |
+| `DELETE` | `/api/auth/sso/unlink/:provider` | JWT | Unlink SSO account |
+
+### Passkeys
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `POST` | `/api/auth/passkeys/register-options` | JWT | Get registration options |
+| `POST` | `/api/auth/passkeys/register` | JWT | Complete registration |
+| `POST` | `/api/auth/passkeys/login-options` | No | Get authentication options |
+| `POST` | `/api/auth/passkeys/login` | No | Authenticate with passkey |
+| `GET`  | `/api/auth/passkeys` | JWT | List user's passkeys |
+| `DELETE` | `/api/auth/passkeys/:id` | JWT | Remove a passkey |
+
+### Onboarding
+
+| Method | Path | Auth | Description |
+|--------|------|------|-------------|
+| `GET`  | `/api/onboarding/progress` | JWT | Get onboarding progress |
+| `PATCH` | `/api/onboarding/progress` | JWT | Mark step complete |
+
+---
+
+## Database Tables Added (Migration 015)
+
+| Table | Purpose |
+|-------|---------|
+| `shared.refresh_tokens` | Stores SHA-256 hashed refresh tokens with expiry/revocation |
+| `shared.stripe_events` | Idempotency ledger for Stripe webhook events |
+| `shared.invite_tokens` | Tracks activation/invite magic links |
+| `shared.onboarding_progress` | Per-org onboarding step completion |
+| `shared.user_passkeys` | WebAuthn credential storage |
+| `shared.email_log` | Stubbed email audit trail |
+
+Columns added to existing tables:
+- `shared.organizations`: `stripe_customer_id`, `stripe_subscription_id`, `trial_ends_at`
+- `shared.users`: `totp_verified_at`, `recovery_codes`, `webauthn_challenge`