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IIOS becomes the tenant's integration/credential hub for anything it sends. New IiosProviderCredential (one row per scope+providerType) seals the secret with AES-256-GCM under IIOS_CRED_KEY (secret-crypto.ts); only non-secret displayHints are ever read back. ProviderCredentialService upsert/resolve/status; TwilioSmsProvider resolves the caller's own creds per scope at send time and POSTs to Twilio (fail-closed NOT_CONFIGURED when unset). Registered over the SMS sandbox only when the platform key + store are present. PUT/GET /v1/providers/:type/credentials (scope-fenced, masked reads). 16 new unit tests. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>