Authentication method switching (Email OTP, SMS OTP, PIN) is now fully functional and correctly syncs across all businesses under a merchant account. PIN setup via /dashboard/security/pin is also working as expected. Email OTP and SMS OTP are now correctly respected on the bank details update and withdrawal request flows.

One outstanding issue remains: when PIN mode is selected, the bank details and withdrawal flows incorrectly fall back to SMS OTP instead of presenting PIN entry. Email and ...