: institution
- Resend — transactional email (set
SIGMA_RESEND_API_KEY, SIGMA_MAIL_FROM)
- SendGrid — alternative SMTP/API
- Twilio — SMS OTP (set
SIGMA_TWILIO_ACCOUNT_SID, SIGMA_TWILIO_AUTH_TOKEN, SIGMA_TWILIO_FROM)
- Stripe — card payments (Checkout to be wired to plan activation)
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