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niteshandClaude Sonnet 5 5dc175c5e1
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feat(users): auto-enroll admin-chosen OTP channel as MFA factor at creation
Admin now picks a mandatory OTP delivery method (Email/Mobile) when creating a
user. The channel is enrolled immediately as a verified m_user_mfa_factor row,
so the existing 2FA system (MfaFactorBackedTwoFactorServiceImpl + /twofactor)
challenges the user for OTP on their very first login - reusing the
already-built login-OTP infrastructure instead of a parallel flow.

Also adds a versioned, admin-manageable user-agreement (disclaimer) API
(/v1/useragreements) with per-user acceptance tracking, checked right after
every login, plus a Liquibase cleanup migration and a shared OTP-destination
masking utility extracted from the two existing login-OTP services.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
2026-07-24 16:16:40 +05:30
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