Resolve or create the Person for an unresolved natural-human Stakeholder and issue a scoped PersonInvite so the stakeholder can complete their own identity. No payer/payee link request is created. The invite link is emailed to the invitee only (suppress with shouldSendEmail: false); the URL is never returned to the caller — the registration magic link is not shared with the inviter. Resolving the Person activates any staged Role materialization. Account admins and ServiceAccounts with users.authorization:write may invite; a ServiceAccount also needs users.stakeholder-admin:write to invite to a principal row. For an unbound entry whose address belongs to an Active Person, this operation always mails a per-entry acceptance token and returns credentialGrant: false, including when shouldSendEmail: false. The entry stays unbound and grants nothing until the Person accepts it from their own signed-in session, with the mailed token or, when their verified email is the invited address, without it.
Requires a session with recent MFA step-up for HighRiskWriteAction. If step-up is missing or expired, this operation returns 403 StepUpMfaRequired; create and verify an MFA challenge at /v3/platform/mfa-challenges with requiredFor: "HighRiskWriteAction", then retry.
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