Define issuance templates

Step 3 of 4 in Issue credentials.

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Create an offer from a template. overrides are merged after the template defaults (deep merge for grants), then the normal offer creation path runs, so the response has the same shape as a direct offer.

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A template can carry its own authorization-server override, which takes precedence over the credential-configuration override and the issuer default.

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Continue with step 4, Supply attributes through a pipeline session.