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The gate landed with a softer mode for accounts holding no second factor, on the premise that they could not clear it. That premise was wrong. A passkey is a possession factor here and the codebase already says so in three places: a primary passkey login stamps Session.mfaVerifiedAt, passkey sits in FRESH_FACTOR_METHODS so a passkey-proved elevation reaches the fresh-factor routes, and the enrolment policy counts a primary passkey as satisfying it outright. The only thing refusing such an account was the reachability pre-check inside requireFreshMfa, which counts second factors and nothing else. So the mode is gone and the route asks for a full freshFactor: true with proofSource: "any-possession" — a second knob that widens which credentials count as "could ever prove this", and changes nothing about the gate. A passkey-only account now gets a real gate with the re-provable auth.stepup.required rather than no gate at all, and the dead-end auth.stepup.mfa_not_enrolled is reserved for an account holding nothing. hasSecondFactorEnrolled is deliberately NOT widened. It answers a different question, and requireFreshMfaIfEnrolled asks it before deciding whether account deletion, the data reset, the password change, the encrypted export and key rotation gate at all — counting a passkey there would change five destructive actions in passing. The two predicates sit beside each other with docblocks saying why they differ, and collapsing them turns eight existing tests red across three files. Recovery is named rather than assumed. On Bearer: mint an elevation with method "passkey". On the web: sign in again, which is what stamps the session — there is no in-page re-proof for a cookie session because the mint endpoint is Bearer-only by design. That limit is written into the route docblock instead of left to be discovered, and the removal's refusal now renders its own sentence in all six locales rather than the server's English "second-factor" prose, which was wrong for the account this card mostly serves.