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When a password is accepted for an account with a confirmed TOTP factor, the login route no longer mints a session or token. It creates a single-use, ~5-minute MfaChallenge (the opaque ticket is stored only as a hash) and returns HTTP 200 with data:null, error:null and meta.mfaRequired + mfaTicket + methods. The client completes the login at POST /api/auth/mfa/verify with the ticket + a TOTP or recovery code, receiving the exact same token bundle the password path issues, with the session stamped second-factor-verified. - The ticket is claimed once, atomically, only after the factor verifies, so two concurrent submissions can mint at most one session; no session ever exists before factor two. - Wrong codes increment the ticket attempt counter and burn it at the cap (throttle, not an account lock); the anonymous verify surface is also rate-limited per IP. - meta.mfaRequired is returned only after a valid password and the invalid-credentials response is identical regardless of MFA state, so an attacker without the password cannot enumerate MFA. - The session/token tail is extracted to login-response.ts and shared by both the password path and the verify path, keeping the transport contract identical. OpenAPI registers the verify endpoint, the MFA management endpoints, and the mfaRequired login variant.