Add support for OTPs and enhance sensitive apis with OTP verification (#191)

One-Time Password (OTP) package added with comprehensive token management, including OTP verification for team account deletion and ownership transfer.

packages/email-templates/src/locales/en/otp-email.json

@@ -0,0 +1,7 @@
+{
+  "subject": "One-time password for {{productName}}",
+  "heading": "One-time password for {{productName}}",
+  "otpText": "Your one-time password is: {{otp}}",
+  "footerText": "Please enter the one-time password in the app to continue.",
+  "mainText": "You're receiving this email because you need to verify your identity using a one-time password."
+}