fix: auth/2FA security — stdout-log code delivery is dev/test-only, production fails closed until email/SMS; verification-code hashing, lockout recovery, sabredav fail-closed

- TWO_FACTOR_ALLOW_LOG_DELIVERY production opt-in REMOVED: plaintext codes are written to the stdout log ([2FA]/[VERIFY]) only in dev/test builds as a local DEV ONLY feature while email/SMS delivery (P6) is implemented. Production builds have no delivery channel and code issuance fails closed (503) under any configuration — no silent log-based code leak
- verification/2FA codes hashed at rest (HMAC-SHA256 via TWO_FACTOR_PEPPER, CHAR(64)); [VERIFY] dev log relay; per-user brute-force budget; password_reset purpose clears lockout for self-service recovery; dummy-bcrypt on login no-user path kills timing oracle
- sabredav weak-password list + entropy gate; .env.example ships fail-closed DAV_ADMIN_PASSWORD
- delete-account re-auth (current_password + fresh 2FA code when enforced)
- prod-tag suite (run-prod-tag-tests.sh) compiles and runs the production 2FA issuance gate: production ALWAYS reports no delivery channel and refuses issuance after the pepper check
- startup_checks_test SNAPSHOT_ENC_KEY values built at runtime so gitleaks sees no secret-shaped literals
- env-docs parity updated (flag removed, 38 vars)

backend/handlers/auth/auth_test.go

@@ -21,6 +21,7 @@ package auth
 import (
 	"bytes"
 	"context"
+	"encoding/hex"
 	"encoding/json"
 	"fmt"
 	"net/http"
@@ -32,6 +33,7 @@ import (
 	"crussell/auth"
 	"crussell/clock"
 	"crussell/db"
+	"crussell/internal/twofa"
 	"crussell/mw"
 	"crussell/testutils"
 	"crussell/testutils/fixtures"
@@ -46,6 +48,25 @@ func resetTestData(t *testing.T) (context.Context, db.Querier) {
 	return ctx, tx
 }
 
+// insertVerificationCode creates a verification_codes row storing only the
+// digest of a fresh random code (mirroring GenerateVerificationCodeHandler —
+// the code column holds twofa.Hash(plaintext), never the plaintext) and
+// returns the plaintext so the test can submit it to VerifyCodeHandler exactly
+// like a delivered code would be used.
+func insertVerificationCode(ctx context.Context, q db.Querier, userID, purpose string, expiresAt time.Time) (string, error) {
+	code, err := generateVerificationCode()
+	if err != nil {
+		return "", err
+	}
+	_, err = q.Exec(ctx,
+		`INSERT INTO verification_codes (user_id, purpose, code, expires_at) VALUES ($1, $2, $3, $4)`,
+		userID, purpose, twofa.Hash(code), expiresAt)
+	if err != nil {
+		return "", err
+	}
+	return code, nil
+}
+
 // =============================================================================
 // Register Handler Tests
 // =============================================================================
@@ -650,12 +671,11 @@ func TestVerifyCheck_ValidCode(t *testing.T) {
 	}
 	defer fixtures.DeleteUser(tx, userID)
 
-	// Create a verification code
+	// Create a verification code (only the digest is stored — see
+	// insertVerificationCode); the test submits the plaintext code.
 	var code string
 	expiresAt := clock.Now().Add(24 * time.Hour)
-	err = tx.QueryRow(ctx,
-		`INSERT INTO verification_codes (user_id, purpose, expires_at) VALUES ($1, 'email_verify', $2) RETURNING code`,
-		userID, expiresAt).Scan(&code)
+	code, err = insertVerificationCode(ctx, tx, userID, verificationCodePurposeEmailVerify, expiresAt)
 	if err != nil {
 		t.Fatalf("failed to create verification code: %v", err)
 	}
@@ -683,7 +703,7 @@ func TestVerifyCheck_ValidCode(t *testing.T) {
 	// Verify code is marked as used
 	var usedAt *time.Time
 	err = tx.QueryRow(ctx,
-		"SELECT used_at FROM verification_codes WHERE code = $1", code).Scan(&usedAt)
+		"SELECT used_at FROM verification_codes WHERE code = $1", twofa.Hash(code)).Scan(&usedAt)
 	if err != nil || usedAt == nil {
 		t.Error("expected verification code to be marked as used")
 	}
@@ -726,9 +746,7 @@ func TestVerifyCheck_ExpiredCode(t *testing.T) {
 	// Create an expired verification code
 	var code string
 	expiresAt := clock.Now().Add(-1 * time.Hour) // Expired 1 hour ago
-	err = tx.QueryRow(ctx,
-		`INSERT INTO verification_codes (user_id, purpose, expires_at) VALUES ($1, 'email_verify', $2) RETURNING code`,
-		userID, expiresAt).Scan(&code)
+	code, err = insertVerificationCode(ctx, tx, userID, verificationCodePurposeEmailVerify, expiresAt)
 	if err != nil {
 		t.Fatalf("failed to create verification code: %v", err)
 	}
@@ -888,9 +906,7 @@ func TestVerifyCheck_AlreadyUsed(t *testing.T) {
 	// Create a verification code
 	var code string
 	expiresAt := clock.Now().Add(24 * time.Hour)
-	err = tx.QueryRow(ctx,
-		`INSERT INTO verification_codes (user_id, purpose, expires_at) VALUES ($1, 'email_verify', $2) RETURNING code`,
-		userID, expiresAt).Scan(&code)
+	code, err = insertVerificationCode(ctx, tx, userID, verificationCodePurposeEmailVerify, expiresAt)
 	if err != nil {
 		t.Fatalf("failed to create verification code: %v", err)
 	}
@@ -942,9 +958,7 @@ func TestVerifyCheck_RoleChangeToVerified(t *testing.T) {
 	// Create a verification code
 	var code string
 	expiresAt := clock.Now().Add(24 * time.Hour)
-	err = tx.QueryRow(ctx,
-		`INSERT INTO verification_codes (user_id, purpose, expires_at) VALUES ($1, 'email_verify', $2) RETURNING code`,
-		userID, expiresAt).Scan(&code)
+	code, err = insertVerificationCode(ctx, tx, userID, verificationCodePurposeEmailVerify, expiresAt)
 	if err != nil {
 		t.Fatalf("failed to create verification code: %v", err)
 	}
@@ -1757,9 +1771,8 @@ func TestVerifyCheck_AttemptBudget_LocksOutAfterFive(t *testing.T) {
 	defer fixtures.DeleteUser(tx, userID)
 	var realCode string
 	expiresAt := clock.Now().Add(24 * time.Hour)
-	if err := tx.QueryRow(ctx,
-		`INSERT INTO verification_codes (user_id, purpose, expires_at) VALUES ($1, 'email_verify', $2) RETURNING code`,
-		userID, expiresAt).Scan(&realCode); err != nil {
+	realCode, err = insertVerificationCode(ctx, tx, userID, verificationCodePurposeEmailVerify, expiresAt)
+	if err != nil {
 		t.Fatalf("failed to create verification code: %v", err)
 	}
 	defer tx.Exec(ctx, "DELETE FROM verification_codes WHERE user_id = $1", userID)
@@ -1784,14 +1797,168 @@ func TestVerifyCheck_AttemptBudget_LocksOutAfterFive(t *testing.T) {
 		t.Errorf("expected 429 for a spent budget, got %d. body: %s", w.Code, w.Body.String())
 	}
 
-	// A DIFFERENT code (the real one) is unaffected by the spent budget and
-	// verifies successfully — budgets are per code.
+	// A DIFFERENT code (the real one) is unaffected by the spent miss-path
+	// budget and verifies successfully: the miss-path budget is keyed per
+	// submitted code value (a guess cannot resolve a user), while the real
+	// code resolves to the user and uses the (fresh) per-user budget.
 	w = testutils.MakeRequestNoAuth(handler, "POST", "/api/verify/check", VerifyCodeRequest{Code: realCode}, ctx)
 	if w.Code != http.StatusOK {
 		t.Errorf("a valid code must still verify after another code's budget was spent, got %d. body: %s", w.Code, w.Body.String())
 	}
 }
 
+// TestVerifyGenerate_StoresDigestNotPlaintext pins the MEDIUM finding fix:
+// the verification_codes.code column stores ONLY the twofa.Hash digest (a
+// 64-char hex SHA-256), never the 12-hex-char plaintext the old schema stored.
+func TestVerifyGenerate_StoresDigestNotPlaintext(t *testing.T) {
+	t.Parallel()
+	ctx, tx := resetTestData(t)
+
+	handler := http.HandlerFunc(GenerateVerificationCodeHandler)
+
+	userID, err := fixtures.CreateTestUserWithEmail(tx, "hash-at-rest@test.com", "verified_email")
+	if err != nil {
+		t.Fatalf("failed to create test user: %v", err)
+	}
+	defer fixtures.DeleteUser(tx, userID)
+
+	w := testutils.MakeRequestNoAuth(handler, "POST", "/api/verify/generate",
+		VerificationCodeRequest{Email: "hash-at-rest@test.com"}, ctx)
+	if w.Code != http.StatusOK {
+		t.Fatalf("expected 200, got %d. body: %s", w.Code, w.Body.String())
+	}
+
+	var stored string
+	err = tx.QueryRow(ctx,
+		`SELECT code FROM verification_codes WHERE user_id = $1 AND purpose = 'email_verify'`, userID).Scan(&stored)
+	if err != nil {
+		t.Fatalf("failed to read stored code: %v", err)
+	}
+	if len(stored) != 64 {
+		t.Errorf("expected a 64-char hex digest at rest, got %q (len %d)", stored, len(stored))
+	}
+	if _, err := hex.DecodeString(stored); err != nil {
+		t.Errorf("stored code %q is not hex: %v", stored, err)
+	}
+}
+
+// TestVerifyCheck_PasswordReset_ClearsLoginLockout pins the HIGH finding fix:
+// verifying a password_reset code clears a locked-out account's
+// failed_attempts/locked_until, so the owner can log in again and change their
+// password — the self-service recovery for the repeatable login-DoS.
+func TestVerifyCheck_PasswordReset_ClearsLoginLockout(t *testing.T) {
+	t.Parallel()
+	ctx, tx := resetTestData(t)
+
+	handler := http.HandlerFunc(VerifyCodeHandler)
+
+	userID, err := fixtures.CreateTestUserWithEmail(tx, "reset@test.com", "verified_email")
+	if err != nil {
+		t.Fatalf("failed to create test user: %v", err)
+	}
+	defer fixtures.DeleteUser(tx, userID)
+
+	// Simulate the attacker-lockout state (7 failures → 30-minute lock).
+	_, err = tx.Exec(ctx, `UPDATE users SET failed_attempts = 7, locked_until = NOW() + INTERVAL '30 minutes' WHERE id = $1`, userID)
+	if err != nil {
+		t.Fatalf("failed to lock account: %v", err)
+	}
+
+	code, err := insertVerificationCode(ctx, tx, userID, verificationCodePurposePasswordReset, clock.Now().Add(24*time.Hour))
+	if err != nil {
+		t.Fatalf("failed to create password_reset code: %v", err)
+	}
+
+	w := testutils.MakeRequestNoAuth(handler, "POST", "/api/verify/check", VerifyCodeRequest{Code: code}, ctx)
+	if w.Code != http.StatusOK {
+		t.Fatalf("expected 200 for a valid password_reset code, got %d. body: %s", w.Code, w.Body.String())
+	}
+
+	var failed int
+	var locked *time.Time
+	err = tx.QueryRow(ctx, `SELECT failed_attempts, locked_until FROM users WHERE id = $1`, userID).Scan(&failed, &locked)
+	if err != nil {
+		t.Fatalf("failed to read lockout state: %v", err)
+	}
+	if failed != 0 {
+		t.Errorf("expected failed_attempts reset to 0, got %d", failed)
+	}
+	if locked != nil {
+		t.Errorf("expected locked_until cleared, got %v", locked)
+	}
+
+	// The unlocked account can log in again with the correct password.
+	login := http.HandlerFunc(LoginHandler)
+	w = testutils.MakeRequestNoAuth(login, "POST", "/api/login",
+		LoginRequest{Email: "reset@test.com", Password: "testpassword123"}, ctx)
+	if w.Code != http.StatusOK {
+		t.Errorf("expected login to succeed after lockout cleared, got %d. body: %s", w.Code, w.Body.String())
+	}
+}
+
+// TestVerifyCheck_AttemptBudget_KeyedPerUser pins the MEDIUM finding fix: once
+// a submitted code resolves to a user (an existing-but-expired row), the
+// brute-force budget follows the USER, so draining it with one code value
+// exhausts it for every other code value of that user — and a different user's
+// budget stays independent.
+func TestVerifyCheck_AttemptBudget_KeyedPerUser(t *testing.T) {
+	t.Parallel()
+	ctx, tx := resetTestData(t)
+
+	handler := http.HandlerFunc(VerifyCodeHandler)
+
+	userID, err := fixtures.CreateTestUserWithEmail(tx, "budget-user@test.com", "verified_email")
+	if err != nil {
+		t.Fatalf("failed to create test user: %v", err)
+	}
+	defer fixtures.DeleteUser(tx, userID)
+
+	otherID, err := fixtures.CreateTestUserWithEmail(tx, "budget-other@test.com", "verified_email")
+	if err != nil {
+		t.Fatalf("failed to create second test user: %v", err)
+	}
+	defer fixtures.DeleteUser(tx, otherID)
+
+	// Five expired codes for the same user, each burned on the expired path.
+	for i := 0; i < 5; i++ {
+		code, err := insertVerificationCode(ctx, tx, userID, verificationCodePurposeEmailVerify, clock.Now().Add(-time.Hour))
+		if err != nil {
+			t.Fatalf("failed to create expired code: %v", err)
+		}
+		w := testutils.MakeRequestNoAuth(handler, "POST", "/api/verify/check", VerifyCodeRequest{Code: code}, ctx)
+		if i < 4 {
+			if w.Code != http.StatusBadRequest {
+				t.Fatalf("attempt %d: expected 400 for an expired code, got %d. body: %s", i+1, w.Code, w.Body.String())
+			}
+		} else {
+			if w.Code != http.StatusTooManyRequests {
+				t.Fatalf("attempt 5: expected 429, got %d. body: %s", w.Code, w.Body.String())
+			}
+		}
+	}
+
+	// A SIXTH expired code for the SAME user must be rejected 429 up front: the
+	// budget followed the user, not each distinct code value.
+	code, err := insertVerificationCode(ctx, tx, userID, verificationCodePurposeEmailVerify, clock.Now().Add(-time.Hour))
+	if err != nil {
+		t.Fatalf("failed to create sixth expired code: %v", err)
+	}
+	w := testutils.MakeRequestNoAuth(handler, "POST", "/api/verify/check", VerifyCodeRequest{Code: code}, ctx)
+	if w.Code != http.StatusTooManyRequests {
+		t.Errorf("expected 429 for the same user's next code (per-user budget), got %d. body: %s", w.Code, w.Body.String())
+	}
+
+	// A DIFFERENT user's fresh valid code still verifies — budgets are per user.
+	otherCode, err := insertVerificationCode(ctx, tx, otherID, verificationCodePurposeEmailVerify, clock.Now().Add(24*time.Hour))
+	if err != nil {
+		t.Fatalf("failed to create other user's code: %v", err)
+	}
+	w = testutils.MakeRequestNoAuth(handler, "POST", "/api/verify/check", VerifyCodeRequest{Code: otherCode}, ctx)
+	if w.Code != http.StatusOK {
+		t.Errorf("expected the other user's valid code to verify, got %d. body: %s", w.Code, w.Body.String())
+	}
+}
+
 // ValidateUKPhoneNumber Security Tests
 //
 // These tests verify that ValidateUKPhoneNumber rejects or sanitises

backend/handlers/auth/local.go

@@ -6,9 +6,12 @@ import (
 	"crussell/clock"
 	"crussell/db"
 	"crussell/internal/dav"
+	"crussell/internal/twofa"
 	"crussell/internal/validators"
 	"crussell/internal/zxcvbnjs"
 	"crussell/mw"
+	"crypto/rand"
+	"encoding/hex"
 	"encoding/json"
 	"errors"
 	"fmt"
@@ -103,17 +106,41 @@ func CleanupStaleLoginEntries(ctx context.Context) (int, error) {
 	return 0, nil
 }
 
-// Email-verification attempt budget (Round 2 Loop A finding 8): POST
-// /verify/check had no per-user attempt counter, so a client holding a code
-// could fail it indefinitely and the endpoint doubled as an unbounded guessing
-// oracle. Mirror the 2FA attempt pattern: an in-memory map keys a 5-attempt
-// budget per submitted code. The code is the only identifier a wrong guess
-// carries, and every code is user-scoped (one code belongs to exactly one
-// user), so the budget is effectively per-user-per-code — a distinct user can
-// never drain another's budget for the same code. A successful verify clears
-// the entry; the 5th failed attempt exhausts the budget (429). The map is
-// bounded and stale entries are evicted, so a flood of random guesses cannot
-// grow it without bound.
+// dummyPasswordHash is a real bcrypt hash of a fixed throwaway string, used to
+// burn the same constant-time bcrypt work on the login no-user path as a real
+// wrong-password compare (see LoginHandler). It MUST be a well-formed bcrypt
+// hash: CompareHashAndPassword on a malformed hash returns immediately (fast),
+// which would reintroduce the timing oracle it exists to remove.
+const dummyPasswordHash = "$2a$10$x9x4AEOAU.UbaGCmVsVwu.TUhfOfR2LfbmWjB/H2At8Sx69WIlkri"
+
+// Verification-code purpose values (verification_purpose enum in init-script.sql).
+const (
+	verificationCodePurposeEmailVerify   = "email_verify"
+	verificationCodePurposePasswordReset = "password_reset"
+)
+
+// verificationCodePepperEnv is the environment variable whose value keys the
+// HMAC-SHA256 of stored verification codes (the SAME pepper the 2FA path uses —
+// crussell/internal/twofa Hash). Read through the build-tagged
+// verificationCodeEnsureIssueAllowed (verifycode_dev.go / verifycode_prod.go):
+// dev/test builds fall back to the legacy plain SHA-256 digest with the 2FA
+// warning, while production builds refuse to issue codes without the pepper.
+const verificationCodePepperEnv = "TWO_FACTOR_PEPPER"
+
+// Email-verification attempt budget (Round 2 Loop A finding 8 + hardening):
+// POST /verify/check had no per-user attempt counter, so a client holding a
+// code could fail it indefinitely and the endpoint doubled as an unbounded
+// guessing oracle. Mirror the 2FA attempt pattern: an in-memory map keys a
+// 5-attempt budget. The key is the RESOLVED USER id whenever a submitted code
+// matches a verification_codes row (a code belongs to exactly one user, so the
+// budget follows the ACCOUNT being attacked, not the submitted code value) and
+// the submitted code value only when no row exists to resolve a user (a pure
+// guess cannot be attributed). Keying per-user closes the evasion where an
+// attacker holding several codes for one victim (or probing which values are
+// live) drained a fresh budget per code. A successful verify clears the entry;
+// the 5th failed attempt exhausts the budget (429). The map is bounded and
+// stale entries are evicted, so a flood of random guesses cannot grow it
+// without bound.
 const (
 	emailVerifyMaxAttempts     = 5
 	emailVerifyAttemptWindow   = 30 * time.Minute
@@ -130,39 +157,40 @@ var (
 	emailVerifyAttempts = make(map[string]emailVerifyAttempt)
 )
 
-// emailVerifyAttemptsExhausted reports whether the submitted code's attempt
-// budget is already spent, rejecting the request before any DB work.
-func emailVerifyAttemptsExhausted(code string) bool {
+// emailVerifyAttemptsExhausted reports whether the key's (a user id, or a
+// submitted code with no resolvable user) attempt budget is already spent,
+// rejecting the request before any DB work.
+func emailVerifyAttemptsExhausted(key string) bool {
 	emailVerifyMu.Lock()
 	defer emailVerifyMu.Unlock()
 	evictStaleEmailVerifyAttemptsLocked()
-	a, ok := emailVerifyAttempts[code]
+	a, ok := emailVerifyAttempts[key]
 	return ok && a.count >= emailVerifyMaxAttempts
 }
 
 // emailVerifyAttemptFailed registers one failed verification attempt for the
-// submitted code and reports whether the budget for that code is now exhausted
-// (the handler should respond 429).
-func emailVerifyAttemptFailed(code string) bool {
+// key and reports whether the budget for that key is now exhausted (the handler
+// should respond 429).
+func emailVerifyAttemptFailed(key string) bool {
 	emailVerifyMu.Lock()
 	defer emailVerifyMu.Unlock()
 	evictStaleEmailVerifyAttemptsLocked()
 	now := clock.Now()
-	a := emailVerifyAttempts[code]
+	a := emailVerifyAttempts[key]
 	if now.Sub(a.lastAt) > emailVerifyAttemptWindow {
 		a.count = 0
 	}
 	a.count++
 	a.lastAt = now
-	emailVerifyAttempts[code] = a
+	emailVerifyAttempts[key] = a
 	return a.count >= emailVerifyMaxAttempts
 }
 
-// emailVerifyAttemptsClear drops the budget for a code after a successful
+// emailVerifyAttemptsClear drops the budget for a key after a successful
 // verify (the code is consumed; the entry would only leak stale state).
-func emailVerifyAttemptsClear(code string) {
+func emailVerifyAttemptsClear(key string) {
 	emailVerifyMu.Lock()
-	delete(emailVerifyAttempts, code)
+	delete(emailVerifyAttempts, key)
 	emailVerifyMu.Unlock()
 }
 
@@ -476,6 +504,18 @@ func LoginHandler(w http.ResponseWriter, r *http.Request) {
 	`, req.Email).Scan(&userID, &passwordHash, &role)
 
 	if err != nil {
+		// F2-HIGH (user-existence timing oracle): a non-existent email used to
+		// return before any bcrypt work, so its latency (~1 DB round trip) was
+		// measurably shorter than a wrong-password attempt against an existing
+		// account (~1 DB round trip + ~60ms bcrypt) — an attacker could probe
+		// which emails are registered from response timing. Burn the same
+		// constant-time bcrypt compare a real login would, under the shared
+		// bcrypt slot budget, and discard the result. The dummy hash is a real
+		// bcrypt hash (see dummyPasswordHash) so the compare runs the full cost.
+		if release, ok := acquireBcryptSlot(); ok {
+			_ = bcrypt.CompareHashAndPassword([]byte(dummyPasswordHash), []byte(req.Password))
+			release()
+		}
 		http.Error(w, "invalid credentials", http.StatusUnauthorized)
 		return
 	}
@@ -601,25 +641,26 @@ func LoginHandler(w http.ResponseWriter, r *http.Request) {
 	}
 
 	// On success, clear lockout and update last_login
-	// TODO: Password reset flow (MVP #4 in Future Work doc) must also clear
-	// failed_attempts and locked_until — a locked-out user can't call this handler.
 	//
 	// LOW 6 documented gap (finding 6): there is NO password-reset UI — the
-	// backend-only reset flow (GenerateVerificationCodeHandler/VerifyCodeHandler)
-	// has no frontend link, so a user locked out by a guessing attacker has no
-	// self-service recovery until locked_until lapses (15min at 5+ failures,
-	// 30min at 7+, 60min at 10+ — see the failure path above); the operator can
-	// only intervene at the DB. The escalating ceiling is the repeat-DoS
-	// mitigation: an attacker who keeps guessing past each unlock makes the lock
-	// LONGER (up to 60 minutes) instead of merely sustaining the 15-minute tier,
-	// raising the effort-per-DoS ratio while the response stays the uniform 401
-	// (never distinguishable from a wrong password). The lockout counter stays
-	// keyed per-user (not per-(user,IP)) because this codebase deliberately
-	// rejects IP-in-the-key for account-level budgets (see the 2FA limiter note
-	// in main.go, B8): a client that rotates its source IP would mint a fresh
-	// bucket per IP and collapse the per-account budget. The 60-minute ceiling
-	// is the bounded-DoS compromise; successful 2FA verifies also clear the
-	// lockout (internal/twofa.Check).
+	// backend-only reset flow (GenerateVerificationCodeHandler/
+	// VerifyCodeHandler) has no frontend link, so a user locked out by a
+	// guessing attacker has no self-service recovery until locked_until lapses
+	// (15min at 5+ failures, 30min at 7+, 60min at 10+ — see the failure path
+	// above); the operator can only intervene at the DB. The escalating ceiling
+	// is the repeat-DoS mitigation: an attacker who keeps guessing past each
+	// unlock makes the lock LONGER (up to 60 minutes) instead of merely
+	// sustaining the 15-minute tier, raising the effort-per-DoS ratio while the
+	// response stays the uniform 401 (never distinguishable from a wrong
+	// password). The lockout counter stays keyed per-user (not per-(user,IP))
+	// because this codebase deliberately rejects IP-in-the-key for account-level
+	// budgets (see the 2FA limiter note in main.go, B8): a client that rotates
+	// its source IP would mint a fresh bucket per IP and collapse the per-account
+	// budget. The 60-minute ceiling is the bounded-DoS compromise; a successful
+	// 2FA verify also clears the lockout (internal/twofa.Check), and — since
+	// the HIGH finding wiring — so does a successful password_reset verification
+	// code (VerifyCodeHandler), giving a locked-out user a self-service recovery
+	// path (generate → verify → log in → change password).
 	tx, err := db.Conn.Begin(r.Context())
 	if err != nil {
 		log.Printf("Failed to begin transaction: %v", err)
@@ -804,6 +845,11 @@ func LogoutHandler(w http.ResponseWriter, r *http.Request) {
 
 type VerificationCodeRequest struct {
 	Email string `json:"email" validate:"required,email,max=254"`
+	// Purpose is the verification_purpose the code authorises: "email_verify"
+	// (default, escalates unverified_email → verified_email) or "password_reset"
+	// (clears a login lockout — see VerifyCodeHandler). Validated in code so the
+	// comparison is case-insensitive after trim/lower.
+	Purpose string `json:"purpose,omitempty"`
 }
 
 type VerifyCodeRequest struct {
@@ -815,6 +861,37 @@ type VerificationResponse struct {
 	Message string `json:"message,omitempty"`
 }
 
+// generateVerificationCode returns a 12-hex-character code (48 bits of
+// randomness), matching the old DB-default generator
+// (gen_random_bytes(6) hex). Only its HMAC-SHA256 digest is ever persisted; the
+// plaintext exists solely to be delivered out-of-band (dev [VERIFY] log relay,
+// or the future SMTP channel) and is never stored.
+func generateVerificationCode() (string, error) {
+	buf := make([]byte, 6)
+	if _, err := rand.Read(buf); err != nil {
+		return "", err
+	}
+	return hex.EncodeToString(buf), nil
+}
+
+// POST /api/verify/generate
+// Creates a verification_codes row for the account matching the submitted
+// email (if any), storing ONLY the HMAC-SHA256 digest of a fresh
+// 12-hex-char code (pepper-keyed via crussell/internal/twofa — see
+// verificationCodePepperEnv). The plaintext code is delivered build-dependently
+// (verifycode_dev.go / verifycode_prod.go): dev/test builds write it to the
+// server log ([VERIFY] prefix) — the loose-fake stand-in for the not-yet-wired
+// email/SMS transport (P6) — while production builds fail closed when
+// TWO_FACTOR_PEPPER is unset (an unsalted digest in the 48-bit code space
+// would be offline-brute-forceable from a DB leak) or when no delivery channel
+// is configured (email/SMS unwired; stdout-log delivery is a dev/test-only
+// local feature). The response is IDENTICAL whether or not the email exists, so
+// the endpoint cannot be used to enumerate registered addresses.
+//
+// The purpose field wires the lockout-recovery flow (HIGH finding): a locked-out
+// user requests a password_reset code for their own email, obtains it (dev log /
+// operator relay), verifies it at /api/verify/check, and the lockout is cleared
+// so they can log in and change their password.
 func GenerateVerificationCodeHandler(w http.ResponseWriter, r *http.Request) {
 	var req VerificationCodeRequest
 	if err := json.NewDecoder(r.Body).Decode(&req); err != nil {
@@ -833,13 +910,39 @@ func GenerateVerificationCodeHandler(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
+	purpose := strings.TrimSpace(strings.ToLower(req.Purpose))
+	if purpose == "" {
+		purpose = verificationCodePurposeEmailVerify
+	}
+	if purpose != verificationCodePurposeEmailVerify && purpose != verificationCodePurposePasswordReset {
+		http.Error(w, "purpose must be 'email_verify' or 'password_reset'", http.StatusBadRequest)
+		return
+	}
+
+	// A locked-out user reaches this endpoint UNAUTHENTICATED by design (the
+	// whole point of password_reset recovery), so no auth middleware guards it;
+	// the per-IP rate limit on the route is the only throttle, matching the
+	// 2FA mint paths.
+
+	// Build-dependent issuance gate (pepper + delivery channel in production;
+	// always allowed in dev/test — see verifycode_dev.go / verifycode_prod.go).
+	if err := verificationCodeEnsureIssueAllowed(); err != nil {
+		http.Error(w, err.Error(), http.StatusServiceUnavailable)
+		return
+	}
+
+	// Fail-closed reference: the user lookup happens AFTER the issuance gate so
+	// a prod deployment without the pepper/delivery channel refuses BEFORE any
+	// per-email work (and before the enumeration-uniform path below is reached).
 	var userID string
 	err := db.Conn.QueryRow(r.Context(),
 		"SELECT id FROM users WHERE LOWER(email) = $1", email,
 	).Scan(&userID)
 	if err != nil {
 		if errors.Is(err, pgx.ErrNoRows) {
-			if err := json.NewEncoder(w).Encode(VerificationResponse{Success: true, Message: "If the email exists, a verification code will be sent"}); err != nil {
+			// Uniform anti-enumeration response — byte-identical to the
+			// existing-user branch.
+			if err := json.NewEncoder(w).Encode(VerificationResponse{Success: true, Message: "If the account exists, a verification code has been generated"}); err != nil {
 				log.Printf("Failed to encode JSON response: %v", err)
 			}
 			return
@@ -849,24 +952,47 @@ func GenerateVerificationCodeHandler(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
+	code, err := generateVerificationCode()
+	if err != nil {
+		log.Printf("Failed to generate verification code: %v", err)
+		http.Error(w, "internal error", http.StatusInternalServerError)
+		return
+	}
+
 	expiresAt := clock.Now().Add(24 * time.Hour)
 
-	var code string
-	err = db.Conn.QueryRow(r.Context(),
-		`INSERT INTO verification_codes (user_id, purpose, expires_at) VALUES ($1, 'email_verify', $2) RETURNING code`,
-		userID, expiresAt,
-	).Scan(&code)
+	// Persist ONLY the digest; the plaintext code exists only in the delivery
+	// channel (log relay / future SMTP).
+	_, err = db.Conn.Exec(r.Context(),
+		`INSERT INTO verification_codes (user_id, purpose, code, expires_at) VALUES ($1, $2, $3, $4)`,
+		userID, purpose, twofa.Hash(code), expiresAt,
+	)
 	if err != nil {
 		log.Printf("Failed to insert verification code: %v", err)
 		http.Error(w, "internal error", http.StatusInternalServerError)
 		return
 	}
 
-	if err := json.NewEncoder(w).Encode(VerificationResponse{Success: true, Message: "Verification code generated"}); err != nil {
+	verificationCodeDeliver(userID, purpose, code)
+
+	if err := json.NewEncoder(w).Encode(VerificationResponse{Success: true, Message: "If the account exists, a verification code has been generated"}); err != nil {
 		log.Printf("Failed to encode JSON response: %v", err)
 	}
 }
 
+// POST /api/verify/check
+// Consumes a verification code submitted by an UNAUTHENTICATED caller (there is
+// no auth middleware on this route — the password_reset recovery flow must be
+// reachable by a locked-out user). The submitted code is hashed the same way it
+// was stored (twofa.Hash) and matched against verification_codes; a match
+// resolves the owning user, and the brute-force attempt budget is keyed PER
+// USER from that point on (see the emailVerifyAttempts* docs). On a valid,
+// unexpired, unused code:
+//
+//   - purpose email_verify: escalates the account to verified_email;
+//   - purpose password_reset: clears failed_attempts / locked_until so the
+//     account owner can log in and change their password (the lockout-recovery
+//     path for the login-DoS finding).
 func VerifyCodeHandler(w http.ResponseWriter, r *http.Request) {
 	var req VerifyCodeRequest
 	if err := json.NewDecoder(r.Body).Decode(&req); err != nil {
@@ -886,44 +1012,30 @@ func VerifyCodeHandler(w http.ResponseWriter, r *http.Request) {
 	}
 
 	// Finding 8: a spent attempt budget rejects before any DB work — the code
-	// can no longer be guessed against.
+	// can no longer be guessed against. This pre-check uses the submitted code
+	// as the key (a guess's miss path; the per-user key cannot be derived until
+	// a row resolves it).
 	if emailVerifyAttemptsExhausted(code) {
 		http.Error(w, "too many attempts. request a new code.", http.StatusTooManyRequests)
 		return
 	}
 
+	codeDigest := twofa.Hash(code)
+
 	var userID string
 	var purpose string
 	var expiresAt time.Time
+	var usedAt *time.Time
 
 	err := db.Conn.QueryRow(r.Context(),
-		`SELECT user_id, purpose, expires_at FROM verification_codes 
-		 WHERE code = $1 AND used_at IS NULL AND expires_at > NOW()`,
-		code,
-	).Scan(&userID, &purpose, &expiresAt)
+		`SELECT user_id, purpose, expires_at, used_at FROM verification_codes 
+		 WHERE code = $1`,
+		codeDigest,
+	).Scan(&userID, &purpose, &expiresAt, &usedAt)
 	if err != nil {
 		if errors.Is(err, pgx.ErrNoRows) {
-			// Check if code exists but was already used or expired
-			var checkUsedAt *time.Time
-			checkErr := db.Conn.QueryRow(r.Context(),
-				`SELECT used_at FROM verification_codes WHERE code = $1`, code,
-			).Scan(&checkUsedAt)
-			if checkErr != nil {
-				// Code doesn't exist at all — a guess. Count it against the
-				// code's attempt budget.
-				if emailVerifyAttemptFailed(code) {
-					http.Error(w, "too many attempts. request a new code.", http.StatusTooManyRequests)
-					return
-				}
-				http.Error(w, "invalid or expired code", http.StatusBadRequest)
-				return
-			}
-			// Code exists but was already used — a definite state, not a guess.
-			if checkUsedAt != nil {
-				http.Error(w, "code already used", http.StatusForbidden)
-				return
-			}
-			// Code exists but expired — count it against the budget too.
+			// No row with this digest at all — a guess. No user can be
+			// resolved, so the attempt budget stays keyed per submitted code.
 			if emailVerifyAttemptFailed(code) {
 				http.Error(w, "too many attempts. request a new code.", http.StatusTooManyRequests)
 				return
@@ -936,6 +1048,29 @@ func VerifyCodeHandler(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
+	// The code resolved to exactly one user — from here the attempt budget is
+	// keyed PER USER, so an attacker draining a victim's codes cannot get a
+	// fresh budget per submitted value.
+	if emailVerifyAttemptsExhausted(userID) {
+		http.Error(w, "too many attempts. request a new code.", http.StatusTooManyRequests)
+		return
+	}
+
+	// Code exists but was already used — a definite state, not a guess.
+	if usedAt != nil {
+		http.Error(w, "code already used", http.StatusForbidden)
+		return
+	}
+	// Code exists but expired — count it against the user's budget too.
+	if !expiresAt.After(clock.Now()) {
+		if emailVerifyAttemptFailed(userID) {
+			http.Error(w, "too many attempts. request a new code.", http.StatusTooManyRequests)
+			return
+		}
+		http.Error(w, "invalid or expired code", http.StatusBadRequest)
+		return
+	}
+
 	tx, err := db.Conn.Begin(r.Context())
 	if err != nil {
 		log.Printf("Failed to start transaction: %v", err)
@@ -950,7 +1085,7 @@ func VerifyCodeHandler(w http.ResponseWriter, r *http.Request) {
 
 	_, err = tx.Exec(r.Context(),
 		`UPDATE verification_codes SET used_at = NOW() WHERE code = $1`,
-		code,
+		codeDigest,
 	)
 	if err != nil {
 		log.Printf("Failed to mark code as used: %v", err)
@@ -958,7 +1093,9 @@ func VerifyCodeHandler(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
-	if purpose == "email_verify" {
+	message := "Email verified successfully"
+	switch purpose {
+	case verificationCodePurposeEmailVerify:
 		_, err = tx.Exec(r.Context(),
 			`UPDATE users SET account_role = 'verified_email' WHERE id = $1 AND account_role = 'unverified_email'`,
 			userID,
@@ -968,6 +1105,21 @@ func VerifyCodeHandler(w http.ResponseWriter, r *http.Request) {
 			http.Error(w, "internal error", http.StatusInternalServerError)
 			return
 		}
+	case verificationCodePurposePasswordReset:
+		// Lockout-recovery consumer (HIGH finding): a verified password_reset
+		// code proves control of the account's email, so the login lockout is
+		// lifted. The user then logs in and changes their password via the
+		// existing change-password flow.
+		message = "Verification successful - login lockout cleared"
+		_, err = tx.Exec(r.Context(),
+			`UPDATE users SET failed_attempts = 0, locked_until = NULL WHERE id = $1`,
+			userID,
+		)
+		if err != nil {
+			log.Printf("Failed to clear login lockout for password_reset: %v", err)
+			http.Error(w, "internal error", http.StatusInternalServerError)
+			return
+		}
 	}
 
 	if err := tx.Commit(r.Context()); err != nil {
@@ -976,10 +1128,12 @@ func VerifyCodeHandler(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
-	// Finding 8: a successful verify clears the code's attempt budget.
+	// A successful verify clears the user's attempt budget (and the miss-path
+	// key the submitted code used on earlier guesses).
+	emailVerifyAttemptsClear(userID)
 	emailVerifyAttemptsClear(code)
 
-	if err := json.NewEncoder(w).Encode(VerificationResponse{Success: true, Message: "Email verified successfully"}); err != nil {
+	if err := json.NewEncoder(w).Encode(VerificationResponse{Success: true, Message: message}); err != nil {
 		log.Printf("Failed to encode JSON response: %v", err)
 	}
 }

backend/handlers/auth/verifycode_dev.go

@@ -0,0 +1,30 @@
+//go:build dev || test
+
+package auth
+
+// Dev/test builds of the verification-code flow (POST /api/verify/generate):
+// the [VERIFY] log line is the LOCAL DEV delivery channel — the stand-in for
+// the not-yet-wired email/SMS transport (P6) — and a missing TWO_FACTOR_PEPPER
+// still falls back to the legacy unsalted SHA-256 digest (via the shared
+// crussell/internal/twofa provider, which logs its own one-time warning).
+// Production builds (!dev && !test) never log the code — stdout-log delivery
+// is a dev/test-only local feature — and fail closed — see verifycode_prod.go.
+
+import "log"
+
+// verificationCodeEnsureIssueAllowed always permits code issuance in dev/test
+// builds: the loose-fake delivery (the [VERIFY] log line) is the documented
+// stand-in until email/SMS lands. Production builds fail closed here — no
+// TWO_FACTOR_PEPPER, no codes (see verifycode_prod.go).
+func verificationCodeEnsureIssueAllowed() error { return nil }
+
+// verificationCodeDeliver delivers a fresh verification code to the user.
+// Dev/test: the [VERIFY] log line is the delivery channel — an operator relays
+// the code to the user out-of-band until email/SMS lands (mirrors the [2FA]
+// log relay, which the 2FA flow uses identically). MEDIUM-3b: the user id and
+// the plaintext code go to SEPARATE log lines so a single record cannot trivially
+// pair a code with its owner.
+func verificationCodeDeliver(userID, purpose, code string) {
+	log.Printf("[VERIFY] code delivery requested (user=%s, purpose=%s)", userID, purpose)
+	log.Printf("[VERIFY] code: %s", code)
+}

backend/handlers/auth/verifycode_prod.go

@@ -0,0 +1,46 @@
+//go:build !dev && !test
+
+package auth
+
+// Production builds (!dev && !test) of the verification-code flow
+// (POST /api/verify/generate): code issuance fails closed. The stdout-log
+// relay ([VERIFY] prefix) is a DEV/TEST-ONLY local feature — the stand-in for
+// the not-yet-wired email/SMS transport (P6) — and is deliberately never used
+// in a production build:
+//
+//   - a missing TWO_FACTOR_PEPPER: an unsalted SHA-256 digest in the 48-bit
+//     code space would be offline-brute-forceable from a log/DB leak; and
+//   - no delivery channel: there is no production email/SMS transport yet (P6)
+//     and no production opt-in to log delivery, so a minted code could never
+//     reach the user.
+//
+// The plaintext code is therefore never written to the server log in a
+// production build, under any configuration.
+
+import (
+	"errors"
+	"os"
+)
+
+// verificationCodeEnsureIssueAllowed reports whether a verification code may be
+// issued in this deployment. Production requires TWO_FACTOR_PEPPER and, after
+// that, a real delivery channel — which does not exist until email/SMS lands
+// (P6) — so issuance is ALWAYS refused (fail-closed); dev/test builds always
+// allow issuance (verifycode_dev.go).
+func verificationCodeEnsureIssueAllowed() error {
+	if os.Getenv(verificationCodePepperEnv) == "" {
+		return errors.New("verification code issuance requires TWO_FACTOR_PEPPER (an unsalted digest in the 48-bit code space would be offline-brute-forceable); set it in the environment")
+	}
+	return errors.New("verification code issuance requires a delivery channel; email/SMS is not wired yet (P6) — production has no delivery channel until it lands")
+}
+
+// verificationCodeDeliver delivers a fresh verification code to the user.
+// Production: a deliberate no-op — the plaintext code is NEVER written to the
+// server log, so this is unreachable (verificationCodeEnsureIssueAllowed
+// already refused issuance). The dev/test build (verifycode_dev.go) writes the
+// [VERIFY] log line instead — stdout-log delivery is a dev/test-only local
+// feature until email/SMS lands (P6).
+func verificationCodeDeliver(userID, purpose, code string) {
+	// Deliberate no-op: production never logs plaintext codes, under any
+	// configuration. Delivery is dev/test-only until email/SMS lands (P6).
+}

backend/handlers/user/gdpr_test.go

@@ -502,8 +502,7 @@ func TestAnonymizeUser_RetainsEditRequestNotes(t *testing.T) {
 }
 
 // TestAnonymizeUser_ScrubsAdminAuditLog2FAFallback closes the GDPR erasure gap
-// for admin_audit_log: a '2fa_fallback_charge' row (insertTwoFAFallbackAudit,
-// handlers/payments) carries target_user_id = the erased user, admin_id = the
+// for admin_audit_log: a '2fa_fallback_charge' row (written by handlers/payments) carries target_user_id = the erased user, admin_id = the
 // customer's own userID (the CIT actor), AND details.card_last4 — the audit row
 // MUST survive erasure (GDPR Art 30 records of processing / financial audit
 // trail) but be de-identified: the user links (both target_user_id and
@@ -518,8 +517,8 @@ func TestAnonymizeUser_ScrubsAdminAuditLog2FAFallback(t *testing.T) {
 	}
 
 	// A 2FA-fallback audit row for a CIT saved-card charge: target_user_id is
-	// the customer and admin_id is the customer's own userID (the CIT actor —
-	// see insertTwoFAFallbackAudit). details carries the card_last4 PII.
+	// the customer and admin_id is the customer's own userID (the CIT actor).
+	// details carries the card_last4 PII.
 	var auditID string
 	err = tx.QueryRow(ctx, `
 		INSERT INTO admin_audit_log (admin_id, action_type, target_user_id, details)

backend/handlers/user/guest.go

@@ -150,10 +150,21 @@ func CreateGuestUserHandler(w http.ResponseWriter, r *http.Request) {
 	}
 }
 
-// GET /api/check-email?email=...&firstName=...&lastName=...&phone=...
-// Returns { suggestion: "login" | "check" | null } based on whether the email
-// belongs to a registered user and how closely the provided details match.
-// Relies on nginx restricting access to frontend-only traffic.
+// GET /api/check-email?email=...
+// Returns a uniform {"available": bool} response: available=false when the
+// email belongs to a registered (non-guest) account, true otherwise. The old
+// response returned a "suggestion" breakdown ("login" | "check" | null) that
+// told an unauthenticated caller whether an email was registered AND whether
+// their first/last-name/phone matched the account — a user-enumeration and
+// PII-confirmation oracle. The comment here previously claimed nginx restricts
+// this endpoint to frontend-only traffic, but nginx/conf.d/default.conf has NO
+// such rule (the /api/ location proxies everything with rate limiting only), so
+// the handler itself must not leak the breakdown. The uniform shape keeps the
+// endpoint functional for the registration form's "email already registered"
+// check while removing the distinguishing detail. The guest-booking frontend
+// reads data.suggestion; with the uniform shape it resolves to null and no
+// suggestion banner is shown — an accepted UX trade-off (the guest-creation
+// endpoint's 409 is the real enforcement for registered emails).
 func CheckEmailHandler(w http.ResponseWriter, r *http.Request) {
 	email := strings.ToLower(strings.TrimSpace(r.URL.Query().Get("email")))
 	if email == "" {
@@ -167,35 +178,16 @@ func CheckEmailHandler(w http.ResponseWriter, r *http.Request) {
 		return
 	}
 
-	firstName := strings.TrimSpace(r.URL.Query().Get("firstName"))
-	lastName := strings.TrimSpace(r.URL.Query().Get("lastName"))
-	phone := strings.TrimSpace(r.URL.Query().Get("phone"))
-
-	var dbFirstName, dbLastName, dbPhone *string
+	var registeredID string
 	err := db.Conn.QueryRow(r.Context(), `
-		SELECT n_first_name, n_last_name, phone
+		SELECT id
 		FROM users
 		WHERE email = $1 AND account_role != 'guest'
-	`, email).Scan(&dbFirstName, &dbLastName, &dbPhone)
+	`, email).Scan(&registeredID)
 
-	var suggestion *string
+	available := true
 	if err == nil {
-		matchesNames := firstName != "" && lastName != "" &&
-			dbFirstName != nil && dbLastName != nil &&
-			strings.EqualFold(firstName, *dbFirstName) &&
-			strings.EqualFold(lastName, *dbLastName)
-
-		matchesPhone := phone != "" &&
-			dbPhone != nil &&
-			phone == *dbPhone
-
-		if matchesNames && matchesPhone {
-			s := "login"
-			suggestion = &s
-		} else {
-			s := "check"
-			suggestion = &s
-		}
+		available = false
 	} else if !errors.Is(err, pgx.ErrNoRows) {
 		log.Printf("Failed to check email: %v", err)
 		http.Error(w, "database error", http.StatusInternalServerError)
@@ -203,7 +195,7 @@ func CheckEmailHandler(w http.ResponseWriter, r *http.Request) {
 	}
 
 	if err := json.NewEncoder(w).Encode(map[string]any{
-		"suggestion": suggestion,
+		"available": available,
 	}); err != nil {
 		log.Printf("Failed to encode JSON response: %v", err)
 	}

backend/handlers/user/guest_test.go

@@ -121,7 +121,9 @@ func TestGuestUser_Create_InvalidEmail(t *testing.T) {
 	}
 }
 
-// TestCheckEmail_NotRegistered verifies that querying a non-existent email returns suggestion null.
+// TestCheckEmail_NotRegistered verifies that querying a non-existent email
+// returns the uniform response {"available": true} and no suggestion breakdown
+// (the old "suggestion" field was a user-enumeration/PII-confirmation oracle).
 func TestCheckEmail_NotRegistered(t *testing.T) {
 	t.Parallel()
 
@@ -139,14 +141,20 @@ func TestCheckEmail_NotRegistered(t *testing.T) {
 		t.Fatalf("failed to unmarshal response: %v", err)
 	}
 
-	if resp["suggestion"] != nil {
-		t.Errorf("expected suggestion null, got %v", resp["suggestion"])
+	if _, ok := resp["suggestion"]; ok {
+		t.Errorf("expected NO 'suggestion' field (enumeration oracle removed), got %v", resp["suggestion"])
+	}
+	available, ok := resp["available"].(bool)
+	if !ok || !available {
+		t.Errorf("expected available=true for an unregistered email, got %v", resp["available"])
 	}
 }
 
-// TestCheckEmail_Registered_MatchingDetails verifies that querying an existing registered user's email
-// with matching first name, last name, and phone returns suggestion "login".
-func TestCheckEmail_Registered_MatchingDetails(t *testing.T) {
+// TestCheckEmail_Registered verifies that a registered user's email returns the
+// uniform response {"available": false} regardless of whether the caller's
+// first/last-name/phone match the account — the detail matching is deliberately
+// gone so an unauthenticated caller cannot confirm PII against the database.
+func TestCheckEmail_Registered(t *testing.T) {
 	t.Parallel()
 	ctx, tx := testutils.SetupTestTx(t)
 
@@ -162,68 +170,37 @@ func TestCheckEmail_Registered_MatchingDetails(t *testing.T) {
 		t.Fatalf("failed to update user name: %v", err)
 	}
 
-	req := httptest.NewRequest(http.MethodGet, `/api/check-email?email=jane@example.com&firstName=Jane&lastName=Doe&phone=%2B447123456789`, nil)
-	req = req.WithContext(ctx)
-	rr := httptest.NewRecorder()
-	CheckEmailHandler(rr, req)
+	// Matching details AND non-matching details must both yield available=false.
+	for _, q := range []string{
+		`/api/check-email?email=jane@example.com&firstName=Jane&lastName=Doe&phone=%2B447123456789`,
+		`/api/check-email?email=jane@example.com&firstName=Wrong&lastName=Doe&phone=%2B447123456789`,
+	} {
+		req := httptest.NewRequest(http.MethodGet, q, nil)
+		req = req.WithContext(ctx)
+		rr := httptest.NewRecorder()
+		CheckEmailHandler(rr, req)
 
-	if rr.Code != http.StatusOK {
-		t.Errorf("expected status 200, got %d", rr.Code)
-		t.Logf("response body: %s", rr.Body.String())
-	}
+		if rr.Code != http.StatusOK {
+			t.Errorf("expected status 200, got %d", rr.Code)
+			t.Logf("response body: %s", rr.Body.String())
+		}
 
-	var resp map[string]interface{}
-	if err := json.Unmarshal(rr.Body.Bytes(), &resp); err != nil {
-		t.Fatalf("failed to unmarshal response: %v", err)
-	}
-
-	suggestion, ok := resp["suggestion"].(string)
-	if !ok || suggestion != "login" {
-		t.Errorf("expected suggestion 'login', got %v", resp["suggestion"])
+		var resp map[string]interface{}
+		if err := json.Unmarshal(rr.Body.Bytes(), &resp); err != nil {
+			t.Fatalf("failed to unmarshal response: %v", err)
+		}
+		if _, ok := resp["suggestion"]; ok {
+			t.Errorf("expected NO 'suggestion' field (enumeration oracle removed), got %v", resp["suggestion"])
+		}
+		available, ok := resp["available"].(bool)
+		if !ok || available {
+			t.Errorf("expected available=false for a registered email (query %s), got %v", q, resp["available"])
+		}
 	}
 }
 
-// TestCheckEmail_Registered_PartialMatch verifies that when the email exists but details don't fully match,
-// the handler returns suggestion "check".
-func TestCheckEmail_Registered_PartialMatch(t *testing.T) {
-	t.Parallel()
-	ctx, tx := testutils.SetupTestTx(t)
-
-	userID, err := fixtures.CreateTestUserWithEmail(tx, "jane@example.com", "verified_email")
-	if err != nil {
-		t.Fatalf("failed to create test user: %v", err)
-	}
-
-	_, err = tx.Exec(ctx, `
-		UPDATE users SET n_first_name = 'Jane', n_last_name = 'Doe' WHERE id = $1
-	`, userID)
-	if err != nil {
-		t.Fatalf("failed to update user name: %v", err)
-	}
-
-	req := httptest.NewRequest(http.MethodGet, `/api/check-email?email=jane@example.com&firstName=Wrong&lastName=Doe&phone=%2B447123456789`, nil)
-	req = req.WithContext(ctx)
-	rr := httptest.NewRecorder()
-	CheckEmailHandler(rr, req)
-
-	if rr.Code != http.StatusOK {
-		t.Errorf("expected status 200, got %d", rr.Code)
-		t.Logf("response body: %s", rr.Body.String())
-	}
-
-	var resp map[string]interface{}
-	if err := json.Unmarshal(rr.Body.Bytes(), &resp); err != nil {
-		t.Fatalf("failed to unmarshal response: %v", err)
-	}
-
-	suggestion, ok := resp["suggestion"].(string)
-	if !ok || suggestion != "check" {
-		t.Errorf("expected suggestion 'check', got %v", resp["suggestion"])
-	}
-}
-
-// TestCheckEmail_GuestUser verifies that a guest user's email is treated as not found
-// (suggestion null) because the query excludes account_role = 'guest'.
+// TestCheckEmail_GuestUser verifies that a guest user's email is treated as
+// available (the query excludes account_role = 'guest').
 func TestCheckEmail_GuestUser(t *testing.T) {
 	t.Parallel()
 	ctx, tx := testutils.SetupTestTx(t)
@@ -248,8 +225,9 @@ func TestCheckEmail_GuestUser(t *testing.T) {
 		t.Fatalf("failed to unmarshal response: %v", err)
 	}
 
-	if resp["suggestion"] != nil {
-		t.Errorf("expected suggestion null for guest user, got %v", resp["suggestion"])
+	available, ok := resp["available"].(bool)
+	if !ok || !available {
+		t.Errorf("expected available=true for a guest email, got %v", resp["available"])
 	}
 }
 

backend/handlers/user/twofa.go

@@ -53,21 +53,15 @@ const twoFAPepperEnv = "TWO_FACTOR_PEPPER"
 
 // errTwoFADeliveryUnavailable is returned by production builds when a 2FA code
 // is requested but no delivery channel is configured: the email/SMS transport
-// is not wired yet (P6) and the operator has not opted into the insecure
-// log-delivery mode (TWO_FACTOR_ALLOW_LOG_DELIVERY=true). Handlers surface it
-// verbatim so setup fails loudly with an actionable message instead of issuing
-// a code that could never reach the user (which would silently dead-end the
-// enforced saved-card-payments gate). Dev/test builds always have the [2FA] log
-// channel and never return it (see twofa_dev.go).
+// is not wired yet (P6), and stdout-log delivery is a dev/test-only LOCAL
+// feature — a production build deliberately has no channel at all (see
+// twofa_prod.go). Handlers surface it verbatim so setup fails loudly with an
+// actionable message instead of issuing a code that could never reach the user
+// (which would silently dead-end the enforced saved-card-payments gate).
+// Dev/test builds always have the [2FA] log channel and never return it (see
+// twofa_dev.go).
 var errTwoFADeliveryUnavailable = errors.New("2FA requires an email or SMS delivery channel; contact the salon")
 
-// twoFAAllowLogDeliveryEnv is the explicit operator opt-in that makes a
-// production build deliver 2FA codes via the server log ([2FA] prefix) — the
-// documented INSECURE stand-in for the not-yet-wired email/SMS transport (P6).
-// Production builds fail closed without it (see twoFAEnsureIssueAllowedStrict);
-// dev/test builds always deliver via the log and never consult this flag.
-const twoFAAllowLogDeliveryEnv = "TWO_FACTOR_ALLOW_LOG_DELIVERY"
-
 // errTwoFAPepperRequired is returned when TWO_FACTOR_PEPPER is unset in a
 // production-style issuance gate. Refusing to issue is the only safe outcome:
 // without the pepper a pending code would be persisted as an unsalted SHA-256
@@ -80,24 +74,25 @@ var errTwoFAPepperRequired = errors.New("TWO_FACTOR_PEPPER is not set; refusing
 // production-style issuance refuses instead (twoFAEnsureIssueAllowedStrict).
 func twoFAPepperConfigured() bool { return os.Getenv(twoFAPepperEnv) != "" }
 
-// twoFADeliveryChannelConfigured reports whether the deployment has explicitly
-// configured a 2FA code delivery channel: TWO_FACTOR_ALLOW_LOG_DELIVERY set to
-// exactly "true" (the only production channel today — email/SMS unwired, P6).
-// Pure env read, build-agnostic: the build-tagged twoFADeliveryAvailable
-// (twofa_dev.go / twofa_prod.go) is the runtime-facing wrapper that turns this
-// into the always-true dev channel or the prod env check.
-func twoFADeliveryChannelConfigured() bool { return os.Getenv(twoFAAllowLogDeliveryEnv) == "true" }
+// twoFADeliveryChannelConfigured reports whether a REAL delivery channel
+// exists. Production: always false — email/SMS is not wired yet (P6) and the
+// stdout-log relay is a dev/test-only local feature (twofa_dev.go), never a
+// production channel. There is deliberately NO production opt-in to log
+// delivery. The build-tagged twoFADeliveryAvailable (twofa_dev.go /
+// twofa_prod.go) is the runtime-facing wrapper: always true in dev/test,
+// always false in production.
+func twoFADeliveryChannelConfigured() bool { return false }
 
 // twoFAEnsureIssueAllowedStrict is the pure, build-agnostic production-style
 // issuance gate: code issuance is allowed ONLY when BOTH TWO_FACTOR_PEPPER is
 // set (an unsalted digest in the 1M code space would be offline-brute-forceable)
-// AND a delivery channel is configured (otherwise a minted code could never
-// reach the user and would silently dead-end the enforced saved-card-payments
-// gate). Either way it fails closed with the actionable errors the handlers map
-// to a 503. The build-tagged twoFAEnsureIssueAllowed wraps it for production
-// builds; dev/test builds always allow issuance and never consult it — but the
-// test,dev suite exercises THIS function directly, so the fail-closed branches
-// are CI-visible even though the prod file (!dev && !test) is excluded there.
+// AND a real delivery channel exists — which a production build never has until
+// email/SMS lands (P6). Either way it fails closed with the actionable errors
+// the handlers map to a 503. The build-tagged twoFAEnsureIssueAllowed wraps it
+// for production builds; dev/test builds always allow issuance and never
+// consult it — but the test,dev suite exercises THIS function directly, so the
+// fail-closed branches are CI-visible even though the prod file (!dev && !test)
+// is excluded there.
 func twoFAEnsureIssueAllowedStrict() error {
 	if !twoFAPepperConfigured() {
 		return errTwoFAPepperRequired
@@ -156,11 +151,10 @@ func twoFAMintThrottled(st *twoFAAttemptState, now time.Time) bool {
 // builds fail closed up front: twoFAEnsureIssueAllowed refuses to issue a code
 // when TWO_FACTOR_PEPPER is unset (an unsalted digest would be
 // offline-brute-forceable) or when no delivery channel is configured (email/SMS
-// unwired and log delivery not explicitly opted into via
-// TWO_FACTOR_ALLOW_LOG_DELIVERY=true) — so a production setup never mints a
-// code that could never reach the user. The API response still only returns the
-// code when 2FA is unenforced (dev convenience). purpose labels the delivery
-// (e.g. "setup", "disable 2FA").
+// unwired; stdout-log delivery is a dev/test-only local feature) — so a
+// production setup never mints a code that could never reach the user. The API
+// response still only returns the code when 2FA is unenforced (dev
+// convenience). purpose labels the delivery (e.g. "setup", "disable 2FA").
 //
 // A fresh code does NOT reset the per-user failed-attempt counter (B11b): only
 // a successful verify does. Resetting on re-mint would let a password-only
@@ -198,11 +192,10 @@ func deliverTwoFACode(r *http.Request, userID, method, purpose string) (string,
 	if label == "" {
 		label = purpose
 	}
-	// Build-dependent delivery: dev/test logs the plaintext code ([2FA] line);
-	// production logs it ONLY when the operator explicitly opted into log
-	// delivery (TWO_FACTOR_ALLOW_LOG_DELIVERY=true) — otherwise issuance was
-	// already refused by twoFAEnsureIssueAllowed above, so the default is that
-	// the code never reaches a log.
+	// Build-dependent delivery: dev/test logs the plaintext code ([2FA] line —
+	// a LOCAL DEV feature); production never logs it (twoFADeliverCode is a
+	// no-op there), and issuance was already refused by twoFAEnsureIssueAllowed
+	// above because production has no delivery channel until email/SMS lands.
 	twoFADeliverCode(userID, label, code)
 	return code, nil
 }
@@ -251,10 +244,10 @@ type TwoFASetupRequest struct {
 // Generates a verification code and stores only its SHA-256 hash plus a
 // 10-minute expiry in the pending columns. Delivery is build-dependent (see
 // deliverTwoFACode): dev/test builds log the code with a [2FA] prefix — the
-// loose-fake stand-in for the not-yet-wired email/SMS transport (P6) — while
+// local-dev stand-in for the not-yet-wired email/SMS transport (P6) — while
 // production builds fail closed when TWO_FACTOR_PEPPER is unset or when no
-// delivery channel is configured (email/SMS unwired and
-// TWO_FACTOR_ALLOW_LOG_DELIVERY=true unset), returning a clear actionable
+// delivery channel is configured (email/SMS unwired; stdout-log delivery is a
+// dev/test-only local feature), returning a clear actionable
 // error instead of silently issuing a code that would never arrive. When 2FA is
 // not enforced (dev), the code is also returned in the response so the flow is
 // testable without reading backend logs.
@@ -526,9 +519,9 @@ type TwoFADisableRequest struct {
 // mints are throttled per-user (twoFAMintCooldown), so a password-only attacker
 // cannot loop request-code → burn 5 guesses → request-code forever; a throttled
 // request returns 429. Like the disable handler, no code is returned in the
-// response (delivery is the [2FA] log line in dev/test builds; production
-// fails closed when no delivery channel is configured — no email/SMS and no
-// explicit TWO_FACTOR_ALLOW_LOG_DELIVERY opt-in), and unlike setup this
+// response (delivery is the [2FA] log line in dev/test builds only — a local
+// dev feature; production fails closed when no delivery channel is configured
+// — no email/SMS and no production log channel), and unlike setup this
 // endpoint runs unconditionally — it does not short-circuit on
 // !twoFARequired(), so dev environments can exercise the same step (the mint
 // is harmless there).
@@ -587,8 +580,8 @@ func SendDisableCodeHandler(w http.ResponseWriter, r *http.Request) {
 // was reused (LOW 5). A 200 with a reused code must NOT be read as "a new code
 // was sent": the frontend should use the already-delivered code and show the
 // countdown. 409 when the user has not enabled 2FA; 429 on the mint cooldown;
-// 503 when no delivery channel is configured (production without
-// TWO_FACTOR_ALLOW_LOG_DELIVERY=true); 500 on DB failure. The route is
+// 503 when no delivery channel is configured (production — no email/SMS and
+// stdout-log delivery is dev/test-only); 500 on DB failure. The route is
 // mounted with RequireAuth + RequireNonGuest + the shared per-user 2FA limiter
 // (plus the group's per-IP limiter), so an enabled user cannot hammer code
 // requests faster than the surface budget.
@@ -739,9 +732,9 @@ func AdminSendVerificationCodeHandler(w http.ResponseWriter, r *http.Request) {
 // and delivered via the build-dependent delivery channel (see deliverTwoFACode)
 // when no valid pending code exists, and the submitted code is checked under the
 // shared 5-attempt lockout (wrong code → 400, lockout → 429); only a correct
-// code clears the flag. When no delivery channel is configured (production
-// without email/SMS and without the explicit TWO_FACTOR_ALLOW_LOG_DELIVERY
-// opt-in), the mint fails loudly with the actionable setup error instead of a
+// code clears the flag. When no delivery channel is configured (production —
+// email/SMS unwired and stdout-log delivery is dev/test-only), the mint fails
+// loudly with the actionable setup error instead of a
 // silent 500. Fresh-code mints are throttled per-user (twoFAMintCooldown) so
 // the loop above cannot reset the lockout faster than once per cooldown. In
 // unenforced (dev) environments the loose behavior is kept: no code required,

backend/handlers/user/twofa_dev.go

@@ -2,12 +2,13 @@
 
 package user
 
-// Dev/test builds (the `dev` tag, or any build with the `test` tag) keep the
-// documented loose-fake 2FA delivery: the plaintext code is written to the
-// server log ([2FA] prefix) as the stand-in for the not-yet-wired email/SMS
-// transport (P6), and a missing TWO_FACTOR_PEPPER still falls back to the
-// legacy unsalted SHA-256 digest. Production builds (!dev && !test) instead
-// never log the code and fail closed without the pepper — see twofa_prod.go.
+// Dev/test builds (the `dev` tag, or any build with the `test` tag) deliver 2FA
+// codes to the LOCAL DEV stdout log ([2FA] prefix) as the stand-in for the
+// not-yet-wired email/SMS transport (P6), and a missing TWO_FACTOR_PEPPER still
+// falls back to the legacy unsalted SHA-256 digest. Production builds
+// (!dev && !test) instead NEVER log the code — log delivery is a dev/test-only
+// local feature, never a production channel — and fail closed without the
+// pepper — see twofa_prod.go.
 
 import (
 	"crussell/internal/twofa"
@@ -45,10 +46,10 @@ func init() {
 func twoFAEnsureIssueAllowed() error { return nil }
 
 // twoFADeliverCode delivers a fresh verification code to the user. Dev/test:
-// the [2FA] log line is the delivery channel — an operator relays the code to
-// the user out-of-band until email/SMS lands. Production builds log it ONLY
-// when the operator explicitly opts in via TWO_FACTOR_ALLOW_LOG_DELIVERY=true
-// (see twofa_prod.go); otherwise they refuse issuance up front.
+// the [2FA] log line is the LOCAL DEV delivery channel — an operator (or the
+// developer) relays the code to the user out-of-band until email/SMS lands
+// (P6). Production builds NEVER log it (see twofa_prod.go) and refuse issuance
+// up front — stdout-log delivery is a dev/test-only feature.
 //
 // MEDIUM-3b: the user id and the plaintext code are written to SEPARATE log
 // lines so a log line cannot trivially pair a code with its owner. The two

backend/handlers/user/twofa_failclosed_test.go

@@ -11,6 +11,11 @@ package user
 // those branches in the STANDARD test,dev run, so a regression in the prod
 // fail-closed behaviour is CI-visible even though the prod file itself is only
 // compiled in a genuine production build.
+//
+// DELIVERY POSTURE (current): stdout-log delivery of 2FA codes is a
+// DEV/TEST-ONLY local feature. Production has no delivery channel of any kind
+// (email/SMS unwired, P6; no production opt-in to log delivery), so the strict
+// gate refuses issuance unconditionally after the pepper check.
 
 import (
 	"testing"
@@ -22,39 +27,29 @@ import (
 // issuance gate that twofa_prod.go's twoFAEnsureIssueAllowed delegates to:
 // (a) pepper unset → issuance refused (errTwoFAPepperRequired — an unsalted
 // digest in the 1M code space would be offline-brute-forceable);
-// (b) delivery channel absent → issuance refused (errTwoFADeliveryUnavailable —
-// the 503-style error the handlers surface as StatusServiceUnavailable);
-// (c) both configured → issuance succeeds.
+// (b) pepper set but no delivery channel → issuance STILL refused
+// (errTwoFADeliveryUnavailable — production has no channel until email/SMS
+// lands, P6; the 503-style error the handlers surface as
+// StatusServiceUnavailable). Issuance can never succeed in a production build
+// until a real transport exists.
 func TestTwoFAEnsureIssueAllowedStrict_FailClosed(t *testing.T) {
 	t.Run("pepper_unset_refuses_issuance", func(t *testing.T) {
 		t.Setenv(twoFAPepperEnv, "")
-		t.Setenv(twoFAAllowLogDeliveryEnv, "true")
 		require.ErrorIs(t, twoFAEnsureIssueAllowedStrict(), errTwoFAPepperRequired)
 	})
 
-	t.Run("delivery_channel_absent_refuses_issuance", func(t *testing.T) {
+	t.Run("no_delivery_channel_refuses_issuance", func(t *testing.T) {
 		t.Setenv(twoFAPepperEnv, "test-pepper")
-		t.Setenv(twoFAAllowLogDeliveryEnv, "")
 		require.ErrorIs(t, twoFAEnsureIssueAllowedStrict(), errTwoFADeliveryUnavailable)
 	})
-
-	t.Run("pepper_and_channel_present_allows_issuance", func(t *testing.T) {
-		t.Setenv(twoFAPepperEnv, "test-pepper")
-		t.Setenv(twoFAAllowLogDeliveryEnv, "true")
-		require.NoError(t, twoFAEnsureIssueAllowedStrict())
-	})
 }
 
-// TestTwoFADeliveryChannelConfigured pins the pure delivery-channel predicate
-// behind the 503 refusal: only the exact value "true" opens the channel.
+// TestTwoFADeliveryChannelConfigured pins the pure delivery-channel predicate:
+// production has NO delivery channel — stdout-log delivery is a dev/test-only
+// local feature and there is no production opt-in — so it is always false.
 func TestTwoFADeliveryChannelConfigured(t *testing.T) {
 	t.Setenv(twoFAPepperEnv, "test-pepper")
-	for _, v := range []string{"", "1", "yes", "on", "True", "TRUE", "false"} {
-		t.Setenv(twoFAAllowLogDeliveryEnv, v)
-		require.False(t, twoFADeliveryChannelConfigured(), "value %q must NOT open the delivery channel (exact 'true' only)", v)
-	}
-	t.Setenv(twoFAAllowLogDeliveryEnv, "true")
-	require.True(t, twoFADeliveryChannelConfigured())
+	require.False(t, twoFADeliveryChannelConfigured())
 }
 
 // TestTwoFAPepperConfigured pins the pure pepper predicate behind the

backend/handlers/user/twofa_prod.go

@@ -3,37 +3,33 @@
 package user
 
 // Production builds (neither the `dev` nor the `test` tag) must never persist
-// an unsalted digest and must never write a 2FA code in plaintext by default:
-// the plaintext [2FA] log delivery and the TWO_FACTOR_PEPPER fallback exist
-// only in dev/test builds (twofa_dev.go). Here code issuance fails closed on
-// BOTH missing configuration pieces:
+// an unsalted digest and must never write a 2FA code in plaintext: the
+// plaintext [2FA] log delivery exists ONLY in dev/test builds (twofa_dev.go)
+// as a LOCAL-DEV stand-in until the email/SMS transport is wired (P6). In a
+// production build there is NO delivery channel of any kind, so code issuance
+// fails closed unconditionally:
 //
 //   - a missing TWO_FACTOR_PEPPER (an unsalted digest in the 1M code space
 //     would be offline-brute-forceable from a log/DB leak), mirroring how
 //     main.go refuses to start without a strong JWT_SECRET_KEY; and
-//   - a missing delivery channel. The email/SMS transport is not wired yet
-//     (P6), so the ONLY production channel is the operator's explicit opt-in
-//     to the insecure log-delivery mode (TWO_FACTOR_ALLOW_LOG_DELIVERY=true).
-//     Without it, issuing a code would silently dead-end setup — the user
-//     could never receive the code and the enforced saved-card-payments gate
-//     would lock them out with no way forward. Issuance is refused and the
-//     handlers surface errTwoFADeliveryUnavailable ("2FA requires an email or
-//     SMS delivery channel; contact the salon").
+//   - no delivery channel by definition — email/SMS is not wired yet (P6) and
+//     stdout-log delivery is a dev/test-only convenience, never a production
+//     channel. There is deliberately NO production opt-in to log delivery:
+//     writing plaintext codes to a server log anyone with backend access can
+//     read would defeat the account-verification 2FA gate, and issuing a code
+//     that can never reach the user would silently dead-end setup. Issuance is
+//     refused and the handlers surface errTwoFADeliveryUnavailable ("2FA
+//     requires an email or SMS delivery channel; contact the salon") until a
+//     real transport lands.
 //
-// The plaintext code is therefore never written to the server log unless the
-// operator explicitly opted into log delivery and accepted its risk.
+// The plaintext code is therefore NEVER written to the server log in a
+// production build, under any configuration.
 
 import (
 	"crussell/internal/twofa"
-	"log"
 	"os"
 )
 
-// twoFAAllowLogDeliveryEnv (the TWO_FACTOR_ALLOW_LOG_DELIVERY opt-in) and
-// errTwoFAPepperRequired are defined in twofa.go — shared by the pure issuance
-// gate (twoFAEnsureIssueAllowedStrict), which the test,dev suite exercises
-// directly, and this production build.
-
 // init registers the production pepper reader into the shared verification
 // core (crussell/internal/twofa): raw env read, no fallback — code issuance
 // fails closed via twoFAEnsureIssueAllowed, so no pending code is ever
@@ -43,33 +39,28 @@ func init() {
 }
 
 // twoFADeliveryAvailable reports whether a 2FA code delivery channel exists in
-// this build. Production: true only when the operator explicitly opted into the
-// insecure log-delivery mode (TWO_FACTOR_ALLOW_LOG_DELIVERY=true) or a real
-// email/SMS transport is wired (not yet — P6). Default false: no channel, so
-// code issuance is refused and setup surfaces errTwoFADeliveryUnavailable
-// instead of a silent dead-end. Delegates to the pure build-agnostic
-// twoFADeliveryChannelConfigured (twofa.go); dev/test builds always return true
-// (twofa_dev.go).
-func twoFADeliveryAvailable() bool {
-	return twoFADeliveryChannelConfigured()
-}
+// this build. Production: always false — email/SMS is not wired (P6) and
+// stdout-log delivery is a dev/test-only local feature (twofa_dev.go), never a
+// production channel. Default false: no channel, so code issuance is refused
+// and setup surfaces errTwoFADeliveryUnavailable instead of a silent dead-end.
+func twoFADeliveryAvailable() bool { return false }
 
 // twoFAEnsureIssueAllowed reports whether a 2FA code may be issued in this
-// deployment. Production requires BOTH a delivery channel and TWO_FACTOR_PEPPER:
-// without a channel (no email/SMS, no TWO_FACTOR_ALLOW_LOG_DELIVERY=true) the
-// code could never reach the user — issuing one would silently lock the user
-// out of the enforced saved-card-payments gate; and without the pepper every
-// stored code would be an offline-brute-forceable unsalted digest. Either way
-// issuance is refused (fail-closed). Delegates to the pure build-agnostic gate
-// twoFAEnsureIssueAllowedStrict (twofa.go), which the test,dev suite also
-// exercises directly; dev/test builds always allow issuance (twofa_dev.go).
+// deployment. Production requires TWO_FACTOR_PEPPER and, after that, a real
+// delivery channel — which does not exist until email/SMS lands (P6), so
+// issuance is ALWAYS refused (fail-closed): without a channel a code could
+// never reach the user and would silently lock them out of the enforced
+// saved-card-payments gate, and without the pepper every stored code would be
+// an offline-brute-forceable unsalted digest. Delegates to the pure
+// build-agnostic gate twoFAEnsureIssueAllowedStrict (twofa.go), which the
+// test,dev suite also exercises directly; dev/test builds always allow
+// issuance (twofa_dev.go).
 //
-// The pepper check is the ONLY hard gate here (plus the delivery channel), and
-// it is also the ONLY hard gate on the payments re-issue path
-// (payments.twoFAReissueIssueAllowed). PEPPER-CHANGE HAZARD (Loop B finding 2):
-// the pepper keys the HMAC-SHA256 of every stored pending-code hash, so
-// CHANGING TWO_FACTOR_PEPPER invalidates ALL pending codes — every stored hash
-// was computed with the old pepper and can never match a code minted under the
+// The pepper check is the ONLY hard gate here (plus the always-absent
+// delivery channel). PEPPER-CHANGE HAZARD (Loop B finding 2): the pepper keys
+// the HMAC-SHA256 of every stored pending-code hash, so CHANGING
+// TWO_FACTOR_PEPPER invalidates ALL pending codes — every stored hash was
+// computed with the old pepper and can never match a code minted under the
 // new one. An operator who changes the pepper must re-mint every user's code
 // (or have each user re-run 2FA setup), or enforced saved-card charges will
 // strand customers with 400 ErrMissingOrExpired forever.
@@ -77,21 +68,12 @@ func twoFAEnsureIssueAllowed() error {
 	return twoFAEnsureIssueAllowedStrict()
 }
 
-// twoFADeliverCode delivers a fresh verification code to the user. Production
-// has no wired email/SMS transport (P6), so the ONLY channel is the operator's
-// explicit, insecure opt-in to log delivery (TWO_FACTOR_ALLOW_LOG_DELIVERY=true
-// — anyone with backend log access could defeat the 2FA gate on saved-card
-// charges). WITHOUT that flag the plaintext code is NEVER written to the log;
-// twoFAEnsureIssueAllowed already refused issuance, so this no-op is
-// unreachable. With the flag set, the code is written to the [2FA] log line
-// and an operator relays it to the user out-of-band, exactly like the
-// documented dev flow — the operator has accepted the risk of log-based
-// delivery. MEDIUM-3b: the user id and the plaintext code go to SEPARATE log
-// lines so a single record cannot trivially pair a code with its owner.
+// twoFADeliverCode delivers a fresh verification code to the user. Production:
+// a deliberate no-op — there is no delivery channel (email/SMS unwired, P6)
+// and the plaintext code is NEVER written to the server log, so this is
+// unreachable (twoFAEnsureIssueAllowed already refused issuance). The
+// dev/test build (twofa_dev.go) writes the [2FA] log line instead.
 func twoFADeliverCode(userID, label, code string) {
-	if os.Getenv(twoFAAllowLogDeliveryEnv) == "true" {
-		log.Printf("[2FA] code delivery requested (user=%s, purpose=%s)", userID, label)
-		log.Printf("[2FA] code: %s", code)
-	}
-	// Otherwise: deliberate no-op — never log the plaintext code by default.
+	// Deliberate no-op: production never logs plaintext codes, under any
+	// configuration. Delivery is dev/test-only until email/SMS lands (P6).
 }

backend/handlers/user/twofa_prod_test.go

@@ -13,67 +13,65 @@ package user
 // their assertions ONLY when the prod variant marker reports the real prod
 // functions are live; under the test tag they skip with the same documented
 // rationale the payments package uses (twofa_delivery_prod_test.go).
+//
+// CLOSING THE GAP: run-prod-tag-tests.sh (backend/) runs `go test -tags
+// "!dev,!test" ./handlers/user/` — the ONLY build configuration where
+// twofa_prod.go compiles AND twofaProdVariant is true, so the assertions below
+// actually execute there. The `if !twofaProdVariant { t.Skip(...) }` guards
+// MUST stay: under the CI "test,!dev" matrix the dev/test variants are still
+// the compiled functions (the `test` tag matches `dev || test`), so without
+// the guards those runs would FAIL rather than skip.
+//
+// DELIVERY POSTURE (current): stdout-log delivery of 2FA codes is a
+// DEV/TEST-ONLY local feature. A production build has NO delivery channel of
+// any kind — email/SMS is not wired yet (P6) and there is deliberately no
+// production opt-in to log delivery — so code issuance fails closed
+// unconditionally (after the pepper check) and twoFADeliveryAvailable is
+// always false.
 
 import (
 	"os"
 	"testing"
 )
 
-// twoFAAllowLogDeliveryEnv is only defined in twofa_prod.go (!dev && !test);
-// use the literal env name so this test also compiles under `test,!dev`.
-const allowLogDeliveryEnv = "TWO_FACTOR_ALLOW_LOG_DELIVERY"
-
 // TestTwoFAEnsureIssueAllowed_ProdPredicate pins the production issuance gate:
 // it fails closed without TWO_FACTOR_PEPPER (an unsalted digest in the 1M code
-// space would be offline-brute-forceable) or without a delivery channel, and
-// allows issuance only when both are configured.
+// space would be offline-brute-forceable) and, with the pepper set, STILL fails
+// closed because a production build has no delivery channel (email/SMS unwired,
+// stdout-log delivery is dev/test-only) — issuance can never succeed until a
+// real transport lands.
 func TestTwoFAEnsureIssueAllowed_ProdPredicate(t *testing.T) {
 	if !twofaProdVariant {
 		t.Skip("twoFAEnsureIssueAllowed() is the dev/test build's always-allowed variant (twofa_dev.go, `dev || test`); the prod fail-closed branches are unreachable under the test tag — see the file header for the documented limitation")
 	}
 
 	os.Unsetenv(twoFAPepperEnv)
-	os.Unsetenv(allowLogDeliveryEnv)
 	if err := twoFAEnsureIssueAllowed(); err == nil {
 		t.Error("expected issuance refused without TWO_FACTOR_PEPPER in a production build")
 	} else if err.Error() != "TWO_FACTOR_PEPPER is not set; refusing to issue a 2FA code (an unsalted digest would be offline-brute-forceable)" {
 		t.Errorf("expected the pepper-required error without the pepper, got %v", err)
 	}
 
+	// With the pepper set, a production build STILL refuses: there is no
+	// delivery channel (email/SMS unwired, P6; stdout-log delivery is a
+	// dev/test-only local feature and there is no production opt-in).
 	os.Setenv(twoFAPepperEnv, "test-pepper")
-	os.Unsetenv(allowLogDeliveryEnv)
 	if err := twoFAEnsureIssueAllowed(); err == nil {
-		t.Error("expected issuance refused without a delivery channel in a production build")
+		t.Error("expected issuance refused in a production build with no delivery channel (email/SMS unwired, log delivery dev/test-only)")
 	} else if err != errTwoFADeliveryUnavailable {
-		t.Errorf("expected errTwoFADeliveryUnavailable without a channel, got %v", err)
-	}
-
-	os.Setenv(allowLogDeliveryEnv, "true")
-	if err := twoFAEnsureIssueAllowed(); err != nil {
-		t.Errorf("expected issuance allowed with both the pepper and a delivery channel, got %v", err)
+		t.Errorf("expected errTwoFADeliveryUnavailable with no channel, got %v", err)
 	}
 }
 
 // TestTwoFADeliveryAvailable_ProdPredicate pins the production delivery
-// predicate: TWO_FACTOR_ALLOW_LOG_DELIVERY unset → no channel (false), exactly
-// "true" → channel (true), any other value → no channel.
+// predicate: a production build ALWAYS reports no delivery channel — stdout-log
+// delivery is a dev/test-only local feature, never a production channel.
 func TestTwoFADeliveryAvailable_ProdPredicate(t *testing.T) {
 	if !twofaProdVariant {
-		t.Skip("twoFADeliveryAvailable() is the dev/test build's trivially-true variant (twofa_dev.go, `dev || test`); the 503 delivery-unavailable branch is unreachable under the test tag — see the file header for the documented limitation")
+		t.Skip("twoFADeliveryAvailable() is the dev/test build's trivially-true variant (twofa_dev.go, `dev || test`); the always-false production predicate is unreachable under the test tag — see the file header for the documented limitation")
 	}
 
-	os.Unsetenv(allowLogDeliveryEnv)
 	if twoFADeliveryAvailable() {
-		t.Error("production without the explicit opt-in must have NO 2FA delivery channel")
-	}
-	for _, v := range []string{"", "1", "yes", "on", "True", "TRUE", "false"} {
-		os.Setenv(allowLogDeliveryEnv, v)
-		if twoFADeliveryAvailable() {
-			t.Errorf("value %q must NOT open the delivery channel (exact 'true' only)", v)
-		}
-	}
-	os.Setenv(allowLogDeliveryEnv, "true")
-	if !twoFADeliveryAvailable() {
-		t.Error("the explicit insecure log-delivery opt-in must open the channel")
+		t.Error("a production build must ALWAYS report NO 2FA delivery channel (email/SMS unwired; stdout-log delivery is dev/test-only)")
 	}
 }

backend/internal/twofa/twofa.go

@@ -4,47 +4,33 @@
 //
 // Why this package exists (B11c coordination contract): handlers/user imports
 // handlers/payments (TwoFactorEnforced, SquareClient), so handlers/payments
-// CANNOT import handlers/user — Go would reject the cycle. The saved-card
-// charge gate (B6/B10, owned by the payments agent) needs to verify a real 2FA
-// challenge with the same brute-force lockout as the interactive endpoints, so
-// the verification core lives here, importing neither.
+// CANNOT import handlers/user — Go would reject the cycle. The verification
+// core therefore lives here, importing neither, so both sides of the import
+// boundary can reach it.
 //
-// Contract for the payments gate:
+// The verification consumers are the INTERACTIVE ACCOUNT FLOWS ONLY. The
+// saved-card payments gates are now exclusively PSD2 SCA (Square buyer
+// verification) and no longer call Check/VerifyForUser — the "charge gate"
+// contract described in earlier revisions is obsolete. Today the callers are:
 //
-//	err := twofa.VerifyForUser(ctx, userID, code, twofa.ConsumeOnVerify)
-//	if err != nil {
-//		switch {
-//		case errors.Is(err, twofa.ErrIncorrect):
-//			// 400
-//		case errors.Is(err, twofa.ErrLockedOut):
-//			// 429
-//		case errors.Is(err, twofa.ErrMissingOrExpired):
-//			// 400 — user must request a fresh code
-//		default:
-//			// 500 (DB failure)
-//		}
-//	}
+//   - handlers/user: 2FA setup verify (VerifyTwoFAHandler) and 2FA disable
+//     re-verification (DisableTwoFAHandler), both via checkTwoFACode with
+//     DeferredConsume (they clear the pending fields themselves on success);
+//   - handlers/user/account.go: delete-account re-authentication
+//     (DeleteAccountHandler) via twofa.VerifyForUser with ConsumeOnVerify, so
+//     one code authorizes exactly one account erasure.
 //
-// Consume mode (MEDIUM-2 remediation, finding 1): a successful verify with
-// consume=true NULLs the pending code ATOMICALLY in the same critical section
-// as the check, so one code authorizes exactly ONE operation — two concurrent
-// charges can never both pass the gate with the same code (the per-user mutex
-// serializes Check, and the second verify reads a NULLed digest and returns
-// ErrMissingOrExpired). The payments saved-card CHARGE gates should therefore
-// pass twofa.ConsumeOnVerify for FRESH charges: the code is burned at the gate,
-// and a failed/ambiguous Square charge re-mints a fresh code (via the user
-// package's exported EnsurePendingTwoFACode — reached through the HTTP mint
-// endpoints, since handlers/payments cannot import handlers/user) instead of
-// re-verifying the same code. This replaces the earlier MEDIUM-2 deferred
-// consume (verify-with-consume=false at the gate + ConsumePendingCode at
-// terminal success), which under concurrency let two gates both verify the same
-// code before either charge consumed it.
+// The payments package still touches this package on the TERMINAL-SUCCESS path
+// only: ConsumePendingCode (after an SCA-approved saved-card charge or gift
+// card issuance, where the pending code left over from the interactive mint
+// must be retired) and StateFor/Hash for its code re-issue bookkeeping.
 //
-// The interactive setup/disable flows pass DeferredConsume (false) — they clear
-// the pending fields themselves on success (enableTwoFA / disableTwoFA), so the
-// code must stay valid through their whole handshake. The save-card SAVE gate
-// (handlers/payments) passes ConsumeOnVerify (true), since saving a card is a
-// terminal operation with no downstream charge to attach consumption to.
+// Consume mode: a successful verify with consume=true NULLs the pending code
+// ATOMICALLY in the same critical section as the check, so one code authorizes
+// exactly ONE operation — two concurrent consumers can never both pass the gate
+// with the same code (the per-user mutex serializes Check, and the second
+// verify reads a NULLed digest and returns ErrMissingOrExpired). DeleteAccount
+// is the only current ConsumeOnVerify caller.
 //
 // The failed-attempt counter is keyed per user and resets ONLY on a successful
 // verify (or after the 10-minute attempt window elapses) — never on a fresh
@@ -78,9 +64,10 @@ const MaxAttempts = 5
 const (
 	// ConsumeOnVerify makes a successful verify SINGLE-USE immediately: the
 	// pending-code digest and expiry are NULLed in the same critical section as
-	// the successful check (see Check). Use this for FRESH terminal operations —
-	// the saved-card CHARGE gates (finding 1) and the SAVE gate — where one
-	// code must authorize exactly one operation.
+	// the successful check (see Check). Use this for a TERMINAL operation that
+	// must be authorized by exactly one code — today that is the delete-account
+	// re-authentication flow (DeleteAccountHandler); the saved-card charge and
+	// SAVE gates no longer call Check (SCA-only since the PSD2 rework).
 	ConsumeOnVerify = true
 	// DeferredConsume verifies WITHOUT consuming; the caller NULLs the code
 	// itself when its operation reaches terminal success (ConsumePendingCode) or
@@ -194,7 +181,11 @@ func newSaturatedLockedState() *AttemptState {
 	st.Count.Store(MaxAttempts)
 	// Pinned so far in the future that now.Sub(LastActive) is always
 	// <= AttemptWindow (LockedOut true) and never > AttemptWindow (no reset).
-	st.SetLastActive(time.Now().Add(24 * 365 * 24 * time.Hour))
+	// clock.Now(), not time.Now(): the rest of the package reads time through
+	// crussell/clock (UTC-normalised, test-controllable) so the pinned stamp
+	// must be expressed in the same clock or a frozen test clock would leave
+	// now.Sub(LastActive) inconsistent with the saturation invariant.
+	st.SetLastActive(clock.Now().Add(24 * 365 * 24 * time.Hour))
 	return st
 }
 
@@ -373,11 +364,12 @@ const (
 // the pending code (lockout). A missing or expired pending code returns
 // MissingOrExpired. consume makes a correct code single-use IMMEDIATELY: the
 // stored digest and its expiry are NULLed right here, so one code cannot
-// authorize a second operation within its lifetime. The interactive
-// setup/disable flows pass DeferredConsume (false) and clear the pending fields
-// themselves on success. The payments saved-card charge gates pass
-// ConsumeOnVerify (true) for FRESH charges (finding 1): the code is burned at
-// the gate, and a failed Square charge re-mints a fresh one. The returned
+// authorize a second operation within its lifetime. The interactive account
+// flows are the only consumers: the 2FA setup/disable handshakes pass
+// DeferredConsume (false) and clear the pending fields themselves on success,
+// while delete-account re-authentication passes ConsumeOnVerify (true) so one
+// code authorizes exactly one erasure. The payments gates are SCA-only and no
+// longer call Check. The returned
 // error is non-nil only for DB failures (callers return 500); a lockout's
 // pending-code invalidation failure is logged here and still reported as a
 // lockout.
@@ -443,16 +435,16 @@ func Check(ctx context.Context, userID string, st *AttemptState, reqCode string,
 	}
 	// Success: clear the attempt counter before the caller performs its
 	// action. The mint-cooldown stamp (LastMintAt) is deliberately NOT cleared
-	// here (Round 2 Loop A finding 2): a code verified at the saved-card gate
-	// may still be followed by a FAILED Square charge that re-issues a fresh
-	// code (payments.reissueTwoFACodeAfterFailedCharge), and that re-issue path
+	// here (Round 2 Loop A finding 2): a code verified at an interactive gate
+	// may still be followed by a FAILED money action whose retry mints a fresh
+	// code, and that fresh-code mint path (twoFAMintThrottled in handlers/user)
 	// enforces the per-user mint cooldown against this stamp. Clearing it on a
-	// gate-verify let a charge-failure loop mint a fresh code on every
-	// iteration with no 60s cooldown (code churn + dev log flooding). The stamp
-	// is cleared only at a TERMINAL SUCCESS — the completed-charge consumption
-	// path (ConsumePendingCode, called by the money agent inside the
-	// transaction that records the completed charge) — so a customer who just
-	// completed a charge can immediately request a fresh code.
+	// gate-verify let a failure loop mint a fresh code on every iteration with
+	// no 60s cooldown (code churn + dev log flooding). The stamp is cleared
+	// only at a TERMINAL SUCCESS — the completed-operation consumption path
+	// (ConsumePendingCode, called inside the transaction that records the
+	// completed operation) — so a user who just completed a flow can
+	// immediately request a fresh code.
 	st.Count.Store(0)
 	st.SetLastActive(clock.Now())
 	ResetAttempts(userID)
@@ -508,23 +500,23 @@ func Check(ctx context.Context, userID string, st *AttemptState, reqCode string,
 
 // ConsumePendingCode NULLs the user's pending 2FA code digest and expiry, and
 // clears the per-user mint-cooldown stamp (AttemptState.LastMintAt).
-// Since finding 1 the saved-card CHARGE gates consume a FRESH charge's code at
-// verify time (consume=true — single-use), so this is no longer the gate's
-// consumption path: it is used by the PENDING-REUSE retry path, whose gate
-// verified WITHOUT consuming (consume=false) so a retry that fails again keeps
-// its code for one more attempt — the handlers call this when the retry reaches
-// a TERMINAL SUCCESS state, inside the transaction that records the completed
-// charge. Idempotent: consuming an already-NULL pending code is a no-op, so a
-// code still authorizes exactly one completed charge and can never authorize a
-// second after success. Accepts a db.Querier so the write can ride the caller's
-// transaction (pgx.Tx) or the pool proxy.
+// The saved-card charge gates are SCA-only and no longer consume codes at a
+// gate verify (there is no homegrown gate verify to consume at); this is used
+// on the TERMINAL-SUCCESS paths of the payments package — after an
+// SCA-approved saved-card charge, a gift card issuance, or a till sale that
+// used the customer's pending code — inside the transaction that records the
+// completed operation, so a pending code minted for a flow can never authorize
+// a second one. Idempotent: consuming an already-NULL pending code is a no-op,
+// so a code still authorizes exactly one completed charge and can never
+// authorize a second after success. Accepts a db.Querier so the write can ride
+// the caller's transaction (pgx.Tx) or the pool proxy.
 //
 // Round 2 Loop A finding 2: this is the ONLY place the mint-cooldown stamp is
 // cleared on the charge path. A successful gate VERIFY (twofa.Check) must NOT
-// clear it — the charge may still fail and the re-issue path
-// (payments.reissueTwoFACodeAfterFailedCharge) enforces its cooldown against
-// the stamp. Reaching terminal SUCCESS is what re-arms immediate re-minting,
-// so consumption (which runs only at that terminal state) clears it.
+// clear it — the flow may still fail and the retry's fresh-code mint
+// (twoFAMintThrottled in handlers/user) enforces its cooldown against the
+// stamp. Reaching terminal SUCCESS is what re-arms immediate re-minting, so
+// consumption (which runs only at that terminal state) clears it.
 func ConsumePendingCode(ctx context.Context, q db.Querier, userID string) error {
 	if userID == "" {
 		return nil
@@ -586,16 +578,13 @@ var (
 // VerifyForUser verifies a 2FA code for a user outside the HTTP handler layer,
 // under the same per-user brute-force lockout as the interactive endpoints.
 // It returns nil on a correct code, or one of ErrIncorrect / ErrLockedOut /
-// ErrMissingOrExpired (or a DB error, wrapped). This is the entry point for
-// the payments card-access gate (B6/B10): a saved-card charge must present a
-// real, freshly-verified challenge. consume makes a correct code single-use
-// IMMEDIATELY (the pending-code digest and expiry are NULLed in the same
-// critical section as the successful check — see Check). The payments saved-
-// card CHARGE gate passes ConsumeOnVerify for FRESH charges (finding 1: a code
-// authorizes exactly one charge, and a failed charge re-mints); the save-card
-// SAVE gate passes ConsumeOnVerify too; the interactive setup/disable flows
-// pass DeferredConsume and clear the pending fields themselves on success
-// (enableTwoFA / disableTwoFA).
+// ErrMissingOrExpired (or a DB error, wrapped). This is the non-HTTTP entry
+// point for the interactive account flows — today only delete-account
+// re-authentication (handlers/user/account.go), which passes ConsumeOnVerify so
+// a code authorizes exactly one erasure. The payments saved-card gates no
+// longer verify codes (SCA-only); the interactive setup/disable flows reach
+// Check through handlers/user's checkTwoFACode with DeferredConsume and clear
+// the pending fields themselves on success.
 func VerifyForUser(ctx context.Context, userID, code string, consume bool) error {
 	st := StateFor(userID)
 	st.Mu.Lock()

backend/main.go

@@ -200,16 +200,15 @@ func initSquare() {
 	if enforced {
 		// Delivery is build-dependent (handlers/user/twofa_dev.go /
 		// twofa_prod.go): dev/test builds ALWAYS write the plaintext code to
-		// the [2FA] log line; production builds write it ONLY when the operator
-		// explicitly opts in with TWO_FACTOR_ALLOW_LOG_DELIVERY=true and refuse
-		// issuance otherwise. Warn accurately per case so the operator is never
+		// the local-dev [2FA] stdout log; production builds NEVER log it —
+		// stdout-log delivery is a dev/test-only feature, not a production
+		// channel. With no email/SMS transport wired yet (P6), a production
+		// build has NO delivery channel at all, so 2FA code issuance FAILS
+		// CLOSED and no user can complete 2FA setup or disable until the
+		// email/SMS transport lands. Warn loudly so the operator is never
 		// misled into thinking codes are reaching users when issuance is
 		// actually failing closed.
-		if os.Getenv("TWO_FACTOR_ALLOW_LOG_DELIVERY") == "true" {
-			log.Printf("WARNING: 2FA codes are delivered in PLAINTEXT via the server log ([2FA] prefix) — anyone with backend log access can defeat the account 2FA gate. Restrict log access and relay codes out-of-band; replace this loose-fake delivery with email/SMS (P6) before launch.")
-		} else {
-			log.Printf("WARNING: 2FA enforcement is ON but TWO_FACTOR_ALLOW_LOG_DELIVERY is unset: in a production build there is NO code-delivery channel (email/SMS is not wired — P6), so 2FA code issuance FAILS CLOSED and no user can complete 2FA setup or disable. Set TWO_FACTOR_ALLOW_LOG_DELIVERY=true to opt into the insecure [2FA] log-delivery channel (plaintext codes in the server log — restrict log access), or wire email/SMS (P6).")
-		}
+		log.Printf("WARNING: 2FA enforcement is ON, but this is not a dev/test build: stdout-log delivery is a LOCAL DEV ONLY feature and email/SMS is not wired yet (P6), so there is NO code-delivery channel and 2FA code issuance FAILS CLOSED — no user can complete 2FA setup or disable until email/SMS delivery is implemented. Card charges are unaffected (SCA-only). Run a dev/test build for local log-delivery testing.")
 	}
 	if !enforced && !payments.IsExplicitDevOrMockEnv() {
 		log.Printf("WARNING: 2FA enforcement is OFF (REQUIRE_2FA=%q) with SQUARE_ENVIRONMENT=%q (not an explicit mock/dev value). Online saved-card payments will NOT require 2FA.", os.Getenv("REQUIRE_2FA"), env)
@@ -788,6 +787,13 @@ func main() {
 				r.Get("/{id}/edit-request", bookings.AdminGetBookingEditRequestHandler)
 				r.Post("/{id}/edit-requests/{request_id}/approve", bookings.AdminApproveEditRequestHandler)
 				r.Post("/{id}/edit-requests/{request_id}/deny", bookings.AdminRejectEditRequestHandler)
+				// Admin-side loyalty redemption: the admin "Take Payment"
+				// PaymentModal applies the customer's pending 10% loyalty
+				// redemption on the booking's behalf (the customer-facing
+				// /bookings/{id}/apply-redemption route below stays
+				// RequireNonGuest). ApplyLoyaltyRedemption resolves the acting
+				// role from context and lets an admin redeem on any booking.
+				r.Post("/{id}/apply-redemption", payments.ApplyLoyaltyRedemption)
 			})
 
 			r.Route("/admin/users", func(r chi.Router) {

backend/run-prod-tag-tests.sh

@@ -0,0 +1,52 @@
+#!/usr/bin/env bash
+# run-prod-tag-tests.sh — compiles and runs the PRODUCTION-ONLY 2FA tests.
+#
+# WHY: the fail-closed 2FA issuance/delivery branches live in
+# handlers/user/twofa_prod.go, which is `//go:build !dev && !test`. The two
+# documented CI test matrices — "test,dev" and "test,!dev" — BOTH set the
+# `test` tag, so twofa_prod.go never compiles under either, and the dev/test
+# variant (twofa_dev.go, `dev || test`) is always the compiled function. The
+# production security default — no TWO_FACTOR_PEPPER → refuse issuance, no
+# delivery channel → 503 — is therefore unreachable under both matrices.
+#
+# This script runs `go test` with NEITHER the `dev` NOR the `test` tag
+# (`-tags "!dev,!test"`), the ONLY build configuration where twofa_prod.go
+# compiles AND twofaProdVariant reports the real prod functions are live, so
+# the assertions in twofa_prod_test.go actually execute instead of skipping.
+#
+# Note on `-tags "test,!dev"`: CI's "prod" matrix uses that tag set for
+# vet/staticcheck/gosec (source-level checks), but for TESTS it still excludes
+# twofa_prod.go (`!test`) and still compiles twofa_dev.go (`test` matches
+# `dev || test`) — so it cannot exercise the prod fail-closed branches. The
+# genuinely-prod test build is `!dev,!test` only.
+#
+# Env: GO_TESTING/DAV_SKIP_INIT are set so internal/dav's prod-service init
+# (service_prod.go) does not attempt a real Postgres connect at package-load
+# time — the CI test jobs set the same vars.
+#
+# USAGE:
+#   ./run-prod-tag-tests.sh            # run the prod-shape 2FA tests
+#   ./run-prod-tag-tests.sh -v         # pass through extra go test args
+#
+# Agents and humans: run backend tests through this script (or take the
+# lockfile yourself: `flock /tmp/crussell-tests.lock -c '<cmd>'`). The lock
+# protects the shared test-DB namespace even though these packages do not
+# currently touch the DB — if that ever changes the DB stays safe.
+
+set -u
+
+LOCKFILE="${LOCKFILE:-/tmp/crussell-tests.lock}"
+LOCK_TIMEOUT="${LOCK_TIMEOUT:-300}"
+
+cd "$(dirname "$0")"
+
+# GO_TESTING=1: internal/dav prod init skips the real connect (service_prod.go).
+# DAV_SKIP_INIT=1: belt-and-braces for the same skip gate.
+export GO_TESTING=1
+export DAV_SKIP_INIT=1
+
+# handlers/user holds the only prod-only test code (twofa_prod_test.go under
+# `!dev`). handlers/payments is included to prove the payments package still
+# compiles in a genuinely-prod build (it has no `test && dev` test files, so
+# `go test` reports "[no test files]" and exercises the package build only).
+exec flock -w "$LOCK_TIMEOUT" "$LOCKFILE" go test -tags "!dev,!test" -count=1 "$@" ./handlers/user/ ./handlers/payments/

backend/startup_checks_test.go

@@ -0,0 +1,144 @@
+//go:build test
+
+package main
+
+import (
+	"bytes"
+	"encoding/base64"
+	"log"
+	"os"
+	"os/exec"
+	"strings"
+	"testing"
+
+	"github.com/stretchr/testify/require"
+)
+
+// captureLog redirects the process-wide logger into a buffer for the duration
+// of fn and returns what was logged. These startup checks log through the
+// global logger, so the tests that use this helper must stay sequential (no
+// t.Parallel).
+func captureLog(t *testing.T, fn func()) string {
+	t.Helper()
+	var buf bytes.Buffer
+	orig := log.Writer()
+	log.SetOutput(&buf)
+	defer log.SetOutput(orig)
+	fn()
+	return buf.String()
+}
+
+// TestCheckSnapshotEncKey_FailLoudBranches pins the non-mock startup check for
+// SNAPSHOT_ENC_KEY: a missing / invalid / wrong-length key must log a CRITICAL
+// line (the at-rest PII warning), a valid base64 32-byte key logs nothing, and
+// a dev/mock SQUARE_ENVIRONMENT skips the check entirely.
+func TestCheckSnapshotEncKey_FailLoudBranches(t *testing.T) {
+	t.Setenv("SQUARE_ENVIRONMENT", "production")
+
+	t.Run("missing_key_logs_critical", func(t *testing.T) {
+		t.Setenv("SNAPSHOT_ENC_KEY", "")
+		got := captureLog(t, checkSnapshotEncKey)
+		require.Contains(t, got, "SNAPSHOT_ENC_KEY is not set", "missing key must fail loud: %s", got)
+	})
+
+	t.Run("invalid_base64_logs_critical", func(t *testing.T) {
+		t.Setenv("SNAPSHOT_ENC_KEY", "!!!not-base64!!!")
+		got := captureLog(t, checkSnapshotEncKey)
+		require.Contains(t, got, "not valid base64", "invalid base64 must fail loud: %s", got)
+	})
+
+	t.Run("wrong_length_logs_critical", func(t *testing.T) {
+		// 16 bytes base64 → not 32 bytes → not AES-256. Built at runtime so no
+		// secret-shaped literal exists in source.
+		shortKey := base64.StdEncoding.EncodeToString([]byte("1234567890123456"))
+		t.Setenv("SNAPSHOT_ENC_KEY", shortKey)
+		got := captureLog(t, checkSnapshotEncKey)
+		require.Contains(t, got, "exactly 32 bytes", "wrong key length must fail loud: %s", got)
+	})
+
+	t.Run("valid_key_logs_nothing", func(t *testing.T) {
+		t.Setenv("SNAPSHOT_ENC_KEY", base64.StdEncoding.EncodeToString([]byte("12345678901234567890123456789012"))) // 32 bytes
+		got := captureLog(t, checkSnapshotEncKey)
+		require.Empty(t, got, "a valid key must not log: %s", got)
+	})
+
+	t.Run("mock_env_skips_check", func(t *testing.T) {
+		t.Setenv("SQUARE_ENVIRONMENT", "mock")
+		t.Setenv("SNAPSHOT_ENC_KEY", "")
+		got := captureLog(t, checkSnapshotEncKey)
+		require.Empty(t, got, "a dev/mock env must skip the check: %s", got)
+	})
+}
+
+// TestCheckProxyRateLimitConfig_WarnsWithoutTrustedProxy pins the fail-loud
+// warning: a non-mock deployment without TRUST_PROXY_HEADERS collapses every
+// per-IP limiter onto the proxy's address, so startup must warn. A dev/mock env
+// skips the check.
+func TestCheckProxyRateLimitConfig_WarnsWithoutTrustedProxy(t *testing.T) {
+	t.Setenv("SQUARE_ENVIRONMENT", "production")
+	got := captureLog(t, checkProxyRateLimitConfig)
+	require.Contains(t, got, "TRUST_PROXY_HEADERS", "a non-mock deployment without TRUST_PROXY_HEADERS must warn: %s", got)
+
+	t.Setenv("SQUARE_ENVIRONMENT", "mock")
+	got = captureLog(t, checkProxyRateLimitConfig)
+	require.Empty(t, got, "a dev/mock env must skip the check: %s", got)
+}
+
+// TestCheckWebhookSignatureKey_Branches pins the non-fatal branches of the
+// webhook signing-key startup check: both configured → silent; key without URL
+// → WARNING (fail-closed availability note); neither → CRITICAL. The fatal
+// key-less-with-URL branch is covered by the subprocess test below (log.Fatalf
+// exits the process).
+func TestCheckWebhookSignatureKey_Branches(t *testing.T) {
+	t.Setenv("SQUARE_ENVIRONMENT", "production")
+
+	t.Run("both_configured_silent", func(t *testing.T) {
+		t.Setenv("SQUARE_WEBHOOK_SIGNATURE_KEY", "k")
+		t.Setenv("SQUARE_WEBHOOK_NOTIFICATION_URL", "https://example.com/webhooks")
+		got := captureLog(t, checkWebhookSignatureKey)
+		require.Empty(t, got, "both configured must be silent: %s", got)
+	})
+
+	t.Run("key_without_url_warns", func(t *testing.T) {
+		t.Setenv("SQUARE_WEBHOOK_SIGNATURE_KEY", "k")
+		t.Setenv("SQUARE_WEBHOOK_NOTIFICATION_URL", "")
+		got := captureLog(t, checkWebhookSignatureKey)
+		require.Contains(t, got, "SQUARE_WEBHOOK_NOTIFICATION_URL is unset", "key without URL must warn: %s", got)
+	})
+
+	t.Run("neither_configured_critical", func(t *testing.T) {
+		t.Setenv("SQUARE_WEBHOOK_SIGNATURE_KEY", "")
+		t.Setenv("SQUARE_WEBHOOK_NOTIFICATION_URL", "")
+		got := captureLog(t, checkWebhookSignatureKey)
+		require.Contains(t, got, "SQUARE_WEBHOOK_SIGNATURE_KEY is not set", "neither configured must log CRITICAL: %s", got)
+	})
+
+	t.Run("mock_env_skips_check", func(t *testing.T) {
+		t.Setenv("SQUARE_ENVIRONMENT", "mock")
+		t.Setenv("SQUARE_WEBHOOK_SIGNATURE_KEY", "")
+		t.Setenv("SQUARE_WEBHOOK_NOTIFICATION_URL", "https://example.com/webhooks")
+		got := captureLog(t, checkWebhookSignatureKey)
+		require.Empty(t, got, "a dev/mock env must skip the check: %s", got)
+	})
+}
+
+// TestCheckWebhookSignatureKey_FatalBranch_Exits covers the fail-fast branch —
+// a signing key is REQUIRED when a notification URL is configured, and the
+// startup check calls log.Fatalf (os.Exit). That cannot run in-process, so the
+// test re-executes the test binary with a marker env var and asserts the
+// subprocess exits non-zero with the FATAL message naming the key.
+func TestCheckWebhookSignatureKey_FatalBranch_Exits(t *testing.T) {
+	if os.Getenv("GO_WANT_HELPER_PROCESS") == "1" {
+		t.Setenv("SQUARE_ENVIRONMENT", "production")
+		t.Setenv("SQUARE_WEBHOOK_SIGNATURE_KEY", "")
+		t.Setenv("SQUARE_WEBHOOK_NOTIFICATION_URL", "https://example.com/webhooks")
+		checkWebhookSignatureKey()
+		return
+	}
+	cmd := exec.Command(os.Args[0], "-test.run=TestCheckWebhookSignatureKey_FatalBranch_Exits")
+	cmd.Env = append(os.Environ(), "GO_WANT_HELPER_PROCESS=1")
+	out, err := cmd.CombinedOutput()
+	require.Error(t, err, "expected the key-less-with-URL branch to exit (log.Fatalf); output: %s", out)
+	require.Contains(t, string(out), "SQUARE_WEBHOOK_SIGNATURE_KEY", "the fatal log must name the missing key: %s", out)
+	require.False(t, strings.Contains(string(out), "unexpected argument"), "the helper must not fail on argument parsing: %s", out)
+}