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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>