## Summary
- add canonical onboarding lifecycle and checkpoint fields plus optimistic locking versioning for managed tenant onboarding drafts
- introduce centralized onboarding lifecycle and mutation services and route wizard mutations through version-checked writes
- convert Verify Access and Bootstrap into live checkpoint-driven wizard states with conditional polling and updated browser/feature/unit coverage
- add Spec Kit artifacts for feature 140, including spec, plan, tasks, research, data model, quickstart, checklist, and logical contract
## Validation
- branch was committed and pushed cleanly
- focused tests and formatting were updated during implementation work
- full validation was not re-run as part of this final git/PR step
## Notes
- base branch: `dev`
- feature branch: `140-onboarding-lifecycle-operation-checkpoints-concurrency-mvp`
- outstanding follow-up items, if any, remain tracked in `specs/140-onboarding-lifecycle-operation-checkpoints-concurrency-mvp/tasks.md`
Co-authored-by: Ahmed Darrazi <ahmed.darrazi@live.de>
Reviewed-on: #169
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