Borrower self-create = createBlank then stampOwnershipAndGet (two txs)

Shipped: July 5, 2026 at 6:45 PM UTC
Author: Kamo
Commit: 19b28f2

Sequence the borrower ownership stamp as a separate service call after createBlank commits, so the new borrower/declarations graph is flushed before the account-FK update (D52).

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