post
https://api.digetpay.com/v1/developer-portal/auth/login
Authenticates the credentials and issues an OTP challenge instead of tokens.
The OTP is delivered by email and SMS, and challengeId must be passed to
login/verify-otp (or login/resend-otp to re-send).
- 5 failed OTP attempts invalidate the challenge.
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Invalid request data (global validation).
Invalid credentials, or account has no password set yet.