Adds a one-time-use backup code set so users with a lost authenticator are not
locked out. Codes are Crockford base32 (XXXXX-XXXXX), hashed with argon2id, and
redeemed under a WHERE-guarded delete so a concurrent replay race fails closed.
- New MfaBackupCode model + migration
- Issue 10 codes inside the enable transaction; show plaintext exactly once
- Sign-in page accepts TOTP or backup code, reporting remaining count
- regenerateBackupCodes tRPC mutation wipes + reissues atomically
- Unit coverage for generator, normalizer, verify, redeem, and race path
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
