feat: SaaS onboarding, Stripe billing, MFA, SSO, passkeys, refresh tokens

Complete SaaS self-service onboarding sprint:

- Stripe-powered signup flow: pricing page → checkout → provisioning → activation
- Refresh token infrastructure: 1h access tokens + 30-day httpOnly cookie refresh
- TOTP MFA with QR setup, recovery codes, and login challenge flow
- Google + Azure AD SSO (conditional on env vars) with account linking
- WebAuthn passkey registration and passwordless login
- Guided onboarding checklist with server-side progress tracking
- Stubbed email service (console + DB logging, ready for real provider)
- Settings page with tabbed security settings (MFA, passkeys, linked accounts)
- Login page enhanced with MFA verification, SSO buttons, passkey login
- Database migration 015 with all new tables and columns
- Version bump to 2026.03.17

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

backend/src/modules/auth/auth.controller.ts

@@ -6,10 +6,14 @@ import {
   UseGuards,
   Request,
   Get,
+  Res,
+  Query,
+  BadRequestException,
 } from '@nestjs/common';
 import { ApiTags, ApiOperation, ApiBearerAuth } from '@nestjs/swagger';
 import { AuthGuard } from '@nestjs/passport';
 import { Throttle } from '@nestjs/throttler';
+import { Response } from 'express';
 import { AuthService } from './auth.service';
 import { RegisterDto } from './dto/register.dto';
 import { LoginDto } from './dto/login.dto';
@@ -17,6 +21,28 @@ import { SwitchOrgDto } from './dto/switch-org.dto';
 import { JwtAuthGuard } from './guards/jwt-auth.guard';
 import { AllowViewer } from '../../common/decorators/allow-viewer.decorator';
 
+const COOKIE_NAME = 'ledgeriq_rt';
+const isProduction = process.env.NODE_ENV === 'production';
+
+function setRefreshCookie(res: Response, token: string) {
+  res.cookie(COOKIE_NAME, token, {
+    httpOnly: true,
+    secure: isProduction,
+    sameSite: 'strict',
+    path: '/api/auth',
+    maxAge: 30 * 24 * 60 * 60 * 1000, // 30 days
+  });
+}
+
+function clearRefreshCookie(res: Response) {
+  res.clearCookie(COOKIE_NAME, {
+    httpOnly: true,
+    secure: isProduction,
+    sameSite: 'strict',
+    path: '/api/auth',
+  });
+}
+
 @ApiTags('auth')
 @Controller('auth')
 export class AuthController {
@@ -25,18 +51,65 @@ export class AuthController {
   @Post('register')
   @ApiOperation({ summary: 'Register a new user' })
   @Throttle({ default: { limit: 5, ttl: 60000 } })
-  async register(@Body() dto: RegisterDto) {
-    return this.authService.register(dto);
+  async register(@Body() dto: RegisterDto, @Res({ passthrough: true }) res: Response) {
+    const result = await this.authService.register(dto);
+    if (result.refreshToken) {
+      setRefreshCookie(res, result.refreshToken);
+    }
+    const { refreshToken, ...response } = result;
+    return response;
   }
 
   @Post('login')
   @ApiOperation({ summary: 'Login with email and password' })
   @Throttle({ default: { limit: 5, ttl: 60000 } })
   @UseGuards(AuthGuard('local'))
-  async login(@Request() req: any, @Body() _dto: LoginDto) {
+  async login(@Request() req: any, @Body() _dto: LoginDto, @Res({ passthrough: true }) res: Response) {
     const ip = req.headers['x-forwarded-for'] || req.ip;
     const ua = req.headers['user-agent'];
-    return this.authService.login(req.user, ip, ua);
+    const result = await this.authService.login(req.user, ip, ua);
+
+    // MFA challenge — no cookie, just return the challenge token
+    if ('mfaRequired' in result) {
+      return result;
+    }
+
+    if ('refreshToken' in result && result.refreshToken) {
+      setRefreshCookie(res, result.refreshToken);
+    }
+    const { refreshToken: _rt, ...response } = result as any;
+    return response;
+  }
+
+  @Post('refresh')
+  @ApiOperation({ summary: 'Refresh access token using httpOnly cookie' })
+  async refresh(@Request() req: any, @Res({ passthrough: true }) res: Response) {
+    const rawToken = req.cookies?.[COOKIE_NAME];
+    if (!rawToken) {
+      throw new BadRequestException('No refresh token');
+    }
+    return this.authService.refreshAccessToken(rawToken);
+  }
+
+  @Post('logout')
+  @ApiOperation({ summary: 'Logout and revoke refresh token' })
+  async logout(@Request() req: any, @Res({ passthrough: true }) res: Response) {
+    const rawToken = req.cookies?.[COOKIE_NAME];
+    if (rawToken) {
+      await this.authService.logout(rawToken);
+    }
+    clearRefreshCookie(res);
+    return { success: true };
+  }
+
+  @Post('logout-everywhere')
+  @ApiOperation({ summary: 'Revoke all sessions' })
+  @ApiBearerAuth()
+  @UseGuards(JwtAuthGuard)
+  async logoutEverywhere(@Request() req: any, @Res({ passthrough: true }) res: Response) {
+    await this.authService.logoutEverywhere(req.user.sub);
+    clearRefreshCookie(res);
+    return { success: true };
   }
 
   @Get('profile')
@@ -62,9 +135,52 @@ export class AuthController {
   @ApiBearerAuth()
   @UseGuards(JwtAuthGuard)
   @AllowViewer()
-  async switchOrg(@Request() req: any, @Body() dto: SwitchOrgDto) {
+  async switchOrg(@Request() req: any, @Body() dto: SwitchOrgDto, @Res({ passthrough: true }) res: Response) {
     const ip = req.headers['x-forwarded-for'] || req.ip;
     const ua = req.headers['user-agent'];
-    return this.authService.switchOrganization(req.user.sub, dto.organizationId, ip, ua);
+    const result = await this.authService.switchOrganization(req.user.sub, dto.organizationId, ip, ua);
+    if (result.refreshToken) {
+      setRefreshCookie(res, result.refreshToken);
+    }
+    const { refreshToken, ...response } = result;
+    return response;
+  }
+
+  // ─── Activation Endpoints ─────────────────────────────────────────
+
+  @Get('activate')
+  @ApiOperation({ summary: 'Validate an activation token' })
+  async validateActivation(@Query('token') token: string) {
+    if (!token) throw new BadRequestException('Token required');
+    return this.authService.validateInviteToken(token);
+  }
+
+  @Post('activate')
+  @ApiOperation({ summary: 'Activate user account with password' })
+  @Throttle({ default: { limit: 5, ttl: 60000 } })
+  async activate(
+    @Body() body: { token: string; password: string; fullName: string },
+    @Res({ passthrough: true }) res: Response,
+  ) {
+    if (!body.token || !body.password || !body.fullName) {
+      throw new BadRequestException('Token, password, and fullName are required');
+    }
+    if (body.password.length < 8) {
+      throw new BadRequestException('Password must be at least 8 characters');
+    }
+    const result = await this.authService.activateUser(body.token, body.password, body.fullName);
+    if (result.refreshToken) {
+      setRefreshCookie(res, result.refreshToken);
+    }
+    const { refreshToken, ...response } = result;
+    return response;
+  }
+
+  @Post('resend-activation')
+  @ApiOperation({ summary: 'Resend activation email' })
+  @Throttle({ default: { limit: 2, ttl: 60000 } })
+  async resendActivation(@Body() body: { email: string }) {
+    // Stubbed — will be implemented when email service is ready
+    return { success: true, message: 'If an account exists, a new activation link has been sent.' };
   }
 }