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Build an express checkout modal component for a single-store Next.js application using Stripe Elements and Tailwind CSS. 1. DATA MODEL: Create a CustomerProfile schema storing customer_id, phone, email, array of shipping_addresses (line1, city, state, postal_code, country), and stripe_customer_id. 2. AUTH & IDENTIFICATION: When a user enters their email or phone at cart, trigger a backend endpoint that checks if the customer exists. If recognized, send a 6-digit SMS OTP via Twilio. Upon validation, return a short-lived JWT that fetches their saved shipping addresses and pre-saved Stripe payment methods. 3. CHECKOUT UI: Build an accessible overlay modal with steps: Phone/Email identification, OTP verification (if returning), Address selector / new address input, Stripe Express Checkout Element (supporting Apple Pay / Google Pay / Link), and Pay button. 4. PAYMENT HANDLING: Create a Next.js API route `/api/checkout/create-intent` that initializes a Stripe PaymentIntent with `setup_future_usage: 'off_session'` if saving details. Handle errors gracefully (declines, 3DS authentication requirements). 5. SCOPE LIMITATIONS: Do not attempt to build a cross-merchant identification system. Out of scope: multi-merchant token sharing, direct card issuer network calls, raw card processing.

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