Accounts

We need an account for everything these days. Every new service reinvents the same account resource, the same onboarding flow, and the same set of errors — each one slightly different, which is exactly what makes integration expensive. This is a base Accounts API you copy into your own service: list, create, read, update and close. Updates are RFC 7396 JSON Merge Patch and writes are conditional on an ETag, so a client changes one field without sending the whole account back and without clobbering a concurrent write. Errors are RFC 9457 problem details, identical to every other base.

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