Every seeded medewerker carries a TOTP credential, so Keycloak's conditional-OTP step in both the browser and direct-grant flows always challenges them; a password alone no longer yields a token. CONFIGURE_TOTP becomes a default required action so any medewerker added later must enrol before logging in. Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>