Individual Apps

1. Invoke /api-gw/oauth/individual-token-v2 using Authorization: Bearer <API_KEY>.
2. Pass password, twoFa, and twoFaTyp in the request body (twoFaTyp=totp for authenticator app, twoFaTyp=otp for SMS/email).
3. On successful authorization, the API returns an access_token.
4. Form the authorization token as: Bearer <API_KEY>:<access_token>.
5. Use this token for all API requests.