Create Open Finance account enrollment for PIX payment initiation

Initiates the Open Finance Brasil account linking process (enrollment) that enables PIX payment initiation without user redirection to the account holder institution. This creates a secure, persistent connection between the payment initiator and the account holder through a comprehensive flow involving user authentication, risk signal collection, consent management, and FIDO2 credential binding. The process includes: 1) User identity verification with CPF/CNPJ, 2) Device risk signals collection for fraud prevention, 3) OAuth2 consent creation with the account holder, 4) FIDO2 biometric/PIN credential registration, 5) Account link authorization. Once established, this enrollment enables seamless PIX payments without repeated user authentication at the account holder.