stoatchat before 0.15.5 MFA Brute Force via Insufficient Rate Limiting

stoatchat before 0.15.5 fails to enforce account-level attempt limits on MFA login challenges, allowing attackers who know a password to guess TOTP codes with only IP-based rate limiting. Attackers can reuse MFA challenge tickets across multiple failed attempts and distribute guesses across IP addresses to bypass rate limiting and gain account access.