diff --git a/spec/json/twilio_verify_passkeys_v1.json b/spec/json/twilio_verify_passkeys_v1.json
index 56e0b898..db4d993e 100644
--- a/spec/json/twilio_verify_passkeys_v1.json
+++ b/spec/json/twilio_verify_passkeys_v1.json
@@ -13,25 +13,25 @@
         "type": "object",
         "properties": {
           "sid": {
-            "$ref": "schemas.yaml#/FactorSID"
+            "$ref": "#/components/schemas/FactorSID"
           },
           "friendly_name": {
             "type": "string"
           },
           "account_sid": {
-            "$ref": "schemas.yaml#/AccountSID"
+            "$ref": "#/components/schemas/AccountSID"
           },
           "service_sid": {
-            "$ref": "schemas.yaml#/ServiceSID"
+            "$ref": "#/components/schemas/ServiceSID"
           },
           "entity_sid": {
-            "$ref": "schemas.yaml#/EntitySID"
+            "$ref": "#/components/schemas/EntitySID"
           },
           "entity_identity": {
             "type": "string"
           },
           "factor_type": {
-            "$ref": "schemas.yaml#/FactorType"
+            "$ref": "#/components/schemas/FactorType"
           },
           "status": {
             "type": "string",
@@ -46,12 +46,12 @@
           "binding": {
             "title": "PasskeyBinding",
             "description": "The public key credential and metadata of a verified passkey binding.",
-            "$ref": "schemas.yaml#/PasskeyFactorBinding"
+            "$ref": "#/components/schemas/PasskeyFactorBinding"
           },
           "config": {
             "type": "object",
             "description": "The type-specific factor configuration.",
-            "$ref": "schemas.yaml#/PasskeyFactorConfig"
+            "$ref": "#/components/schemas/PasskeyFactorConfig"
           },
           "date_created": {
             "type": "string",
@@ -88,15 +88,15 @@
         "properties": {
           "credential_id": {
             "description": "A unique identifier for this credential so that it can be requested for future authentications.",
-            "$ref": "schemas.yaml#/Base64UrlString"
+            "$ref": "#/components/schemas/Base64UrlString"
           },
           "credential_public_key": {
             "type": "string",
             "description": "A COSE-encoded public key. This public key will be stored on the server associated with a user's account and be used for future authentications.",
-            "$ref": "schemas.yaml#/Base64UrlString"
+            "$ref": "#/components/schemas/Base64UrlString"
           },
           "transports": {
-            "$ref": "schemas.yaml#/TransportTypes"
+            "$ref": "#/components/schemas/TransportTypes"
           },
           "flags": {
             "type": "array",
@@ -130,7 +130,7 @@
                 "description": "A flag indicating that the authenticator may be cloned."
               },
               "authenticator_attachment": {
-                "$ref": "schemas.yaml#/AuthenticatorAttachment"
+                "$ref": "#/components/schemas/AuthenticatorAttachment"
               }
             }
           }
@@ -168,16 +168,16 @@
             "properties": {
               "authenticator_attachment": {
                 "description": "A flag indicating a requirement to attach only to a certain type of authenticator.",
-                "$ref": "schemas.yaml#/ExpandedAuthenticatorAttachment",
+                "$ref": "#/components/schemas/ExpandedAuthenticatorAttachment",
                 "default": "any"
               },
               "discoverable_credentials": {
-                "$ref": "schemas.yaml#/ResidentKey",
+                "$ref": "#/components/schemas/ResidentKey",
                 "description": "A flag indicating the level of preference for discoverable credentials.",
                 "default": "preferred"
               },
               "user_verification": {
-                "$ref": "schemas.yaml#/UserVerification",
+                "$ref": "#/components/schemas/UserVerification",
                 "default": "preferred",
                 "description": "Whether user identity verification (via biometrics or PIN) is required."
               }
@@ -193,14 +193,14 @@
         "title": "PasskeyFactorConfig",
         "allOf": [
           {
-            "$ref": "schemas.yaml#/PasskeyFactorConfigRequest"
+            "$ref": "#/components/schemas/PasskeyFactorConfigRequest"
           },
           {
             "title": "PasskeyCreationRequest",
             "type": "object",
             "properties": {
               "creation_request": {
-                "$ref": "schemas.yaml#/PublicKeyCredentialCreationOptions"
+                "$ref": "#/components/schemas/PublicKeyCredentialCreationOptions"
               }
             }
           }
@@ -213,17 +213,17 @@
         "properties": {
           "id": {
             "description": "A [base64url](https://base64.guru/standards/base64url) encoded representation of `rawId`.",
-            "$ref": "schemas.yaml#/Base64UrlString"
+            "$ref": "#/components/schemas/Base64UrlString"
           },
           "rawId": {
             "description": "The globally unique identifier for this `PublicKeyCredential`.",
-            "$ref": "schemas.yaml#/Base64UrlString"
+            "$ref": "#/components/schemas/Base64UrlString"
           },
           "authenticatorAttachment": {
-            "$ref": "schemas.yaml#/AuthenticatorAttachment"
+            "$ref": "#/components/schemas/AuthenticatorAttachment"
           },
           "type": {
-            "$ref": "schemas.yaml#/PublicKeyType"
+            "$ref": "#/components/schemas/PublicKeyType"
           },
           "response": {
             "title": "AuthenticatorAttestationResponse",
@@ -232,14 +232,14 @@
             "properties": {
               "attestationObject": {
                 "description": "The authenticator data and an attestation statement for a new key pair generated by the authenticator.",
-                "$ref": "schemas.yaml#/CBORString"
+                "$ref": "#/components/schemas/CBORString"
               },
               "clientDataJSON": {
                 "description": "This property contains the JSON-compatible serialization of the data passed from the browser to the authenticator in order to generate this credential.",
-                "$ref": "schemas.yaml#/Base64UrlString"
+                "$ref": "#/components/schemas/Base64UrlString"
               },
               "transports": {
-                "$ref": "schemas.yaml#/TransportTypes"
+                "$ref": "#/components/schemas/TransportTypes"
               }
             }
           }
@@ -254,22 +254,22 @@
         "type": "object",
         "properties": {
           "sid": {
-            "$ref": "schemas.yaml#/ChallengeSID"
+            "$ref": "#/components/schemas/ChallengeSID"
           },
           "account_sid": {
-            "$ref": "schemas.yaml#/AccountSID"
+            "$ref": "#/components/schemas/AccountSID"
           },
           "service_sid": {
-            "$ref": "schemas.yaml#/ServiceSID"
+            "$ref": "#/components/schemas/ServiceSID"
           },
           "factor_sid": {
-            "$ref": "schemas.yaml#/FactorSID"
+            "$ref": "#/components/schemas/FactorSID"
           },
           "factor_type": {
-            "$ref": "schemas.yaml#/FactorType"
+            "$ref": "#/components/schemas/FactorType"
           },
           "entity_sid": {
-            "$ref": "schemas.yaml#/EntitySID"
+            "$ref": "#/components/schemas/EntitySID"
           },
           "entity_identity": {
             "type": "string"
@@ -286,7 +286,7 @@
           "details": {
             "type": "object",
             "description": "The challenge details.",
-            "$ref": "schemas.yaml#/PublicKeyChallenge"
+            "$ref": "#/components/schemas/PublicKeyChallenge"
           },
           "date_created": {
             "type": "string",
@@ -314,31 +314,31 @@
         "properties": {
           "id": {
             "description": "A [base64url](https://base64.guru/standards/base64url) encoded representation of `rawId`.",
-            "$ref": "schemas.yaml#/Base64UrlString"
+            "$ref": "#/components/schemas/Base64UrlString"
           },
           "rawId": {
             "description": "The globally unique identifier for this `PublicKeyCredential`.",
-            "$ref": "schemas.yaml#/Base64UrlString"
+            "$ref": "#/components/schemas/Base64UrlString"
           },
           "authenticatorAttachment": {
-            "$ref": "schemas.yaml#/AuthenticatorAttachment"
+            "$ref": "#/components/schemas/AuthenticatorAttachment"
           },
           "type": {
-            "$ref": "schemas.yaml#/PublicKeyType"
+            "$ref": "#/components/schemas/PublicKeyType"
           },
           "response": {
             "title": "AuthenticatorAssertionResponse",
             "type": "object",
             "properties": {
               "authenticatorData": {
-                "$ref": "schemas.yaml#/CBORString"
+                "$ref": "#/components/schemas/CBORString"
               },
               "clientDataJSON": {
                 "description": "This property contains the JSON-compatible serialization of the data passed from the browser to the authenticator in order to generate this credential.",
-                "$ref": "schemas.yaml#/Base64UrlString"
+                "$ref": "#/components/schemas/Base64UrlString"
               },
               "signature": {
-                "$ref": "schemas.yaml#/Base64UrlString",
+                "$ref": "#/components/schemas/Base64UrlString",
                 "description": "An assertion signature over `authenticatorData` and `clientDataJSON`.\nThe assertion signature is created with the private key of the key pair that was created during the originating `navigator.credentials.create()` call\nand verified using the public key of that same key pair."
               },
               "userHandle": {
@@ -356,7 +356,7 @@
             "title": "EntitySID",
             "properties": {
               "sid": {
-                "$ref": "schemas.yaml#/EntitySID"
+                "$ref": "#/components/schemas/EntitySID"
               }
             },
             "additionalProperties": false
@@ -489,7 +489,7 @@
             "description": "An object describing the user account for which the credential is generated.",
             "properties": {
               "id": {
-                "$ref": "schemas.yaml#/Base64UrlString",
+                "$ref": "#/components/schemas/Base64UrlString",
                 "description": "The unique ID for the user account. This property will contain the base64url-encoded entity SID and should not be displayed to the end user.\nThe `user.id` will later be used for authentication via discoverable credentials, where this same identifier will be passed via the `userHandle` property."
               },
               "name": {
@@ -508,7 +508,7 @@
             ]
           },
           "challenge": {
-            "$ref": "schemas.yaml#/Base64UrlString",
+            "$ref": "#/components/schemas/Base64UrlString",
             "description": "A string generated as a cryptographic challenge, to be signed by the authenticator and sent back as part of the registration process.\nThis will contain a base64url-encoded challenge SID."
           },
           "pubKeyCredParams": {
@@ -518,10 +518,10 @@
               "type": "object",
               "properties": {
                 "type": {
-                  "$ref": "schemas.yaml#/PublicKeyType"
+                  "$ref": "#/components/schemas/PublicKeyType"
                 },
                 "alg": {
-                  "$ref": "schemas.yaml#/PublicKeyAlgorithm"
+                  "$ref": "#/components/schemas/PublicKeyAlgorithm"
                 }
               },
               "required": [
@@ -542,13 +542,13 @@
               "type": "object",
               "properties": {
                 "type": {
-                  "$ref": "schemas.yaml#/PublicKeyType"
+                  "$ref": "#/components/schemas/PublicKeyType"
                 },
                 "id": {
                   "type": "string"
                 },
                 "transports": {
-                  "$ref": "schemas.yaml#/TransportTypes"
+                  "$ref": "#/components/schemas/TransportTypes"
                 }
               },
               "required": [
@@ -562,17 +562,17 @@
             "description": "An object whose properties are criteria used to filter out the potential authenticators for the credential creation operation.",
             "properties": {
               "authenticatorAttachment": {
-                "$ref": "schemas.yaml#/AuthenticatorAttachment"
+                "$ref": "#/components/schemas/AuthenticatorAttachment"
               },
               "requireResidentKey": {
                 "type": "boolean",
                 "description": "A flag indicating that the authenticator must support the resident key requirement."
               },
               "residentKey": {
-                "$ref": "schemas.yaml#/ResidentKey"
+                "$ref": "#/components/schemas/ResidentKey"
               },
               "userVerification": {
-                "$ref": "schemas.yaml#/UserVerification"
+                "$ref": "#/components/schemas/UserVerification"
               }
             }
           },
@@ -608,17 +608,17 @@
         "properties": {
           "id": {
             "description": "A [base64url](https://base64.guru/standards/base64url) encoded representation of `rawId`.",
-            "$ref": "schemas.yaml#/Base64UrlString"
+            "$ref": "#/components/schemas/Base64UrlString"
           },
           "rawId": {
             "description": "The globally unique identifier for this `PublicKeyCredential`.",
-            "$ref": "schemas.yaml#/Base64UrlString"
+            "$ref": "#/components/schemas/Base64UrlString"
           },
           "authenticatorAttachment": {
-            "$ref": "schemas.yaml#/AuthenticatorAttachment"
+            "$ref": "#/components/schemas/AuthenticatorAttachment"
           },
           "type": {
-            "$ref": "schemas.yaml#/PublicKeyType"
+            "$ref": "#/components/schemas/PublicKeyType"
           }
         },
         "required": [
@@ -688,7 +688,7 @@
                 "type": "string"
               },
               "allowCredentials": {
-                "$ref": "schemas.yaml#/AllowCredentials"
+                "$ref": "#/components/schemas/AllowCredentials"
               },
               "timeout": {
                 "type": "integer",
@@ -696,7 +696,7 @@
                 "description": "The time in milliseconds that the challenge is valid for."
               },
               "userVerification": {
-                "$ref": "schemas.yaml#/UserVerification",
+                "$ref": "#/components/schemas/UserVerification",
                 "default": "preferred"
               },
               "extensions": {
@@ -719,13 +719,13 @@
           "properties": {
             "id": {
               "description": "The ID of the public key credential to retrieve. This value is mirrored by the `rawId` property of the `PublicKeyCredential` object",
-              "$ref": "schemas.yaml#/Base64UrlString"
+              "$ref": "#/components/schemas/Base64UrlString"
             },
             "type": {
-              "$ref": "schemas.yaml#/PublicKeyType"
+              "$ref": "#/components/schemas/PublicKeyType"
             },
             "transports": {
-              "$ref": "schemas.yaml#/TransportTypes"
+              "$ref": "#/components/schemas/TransportTypes"
             }
           }
         }
@@ -773,7 +773,7 @@
         "parameters": [
           {
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "name": "service_sid",
             "in": "path",
@@ -786,7 +786,7 @@
             "content": {
               "application/json": {
                 "schema": {
-                  "$ref": "schemas.yaml#/Factor"
+                  "$ref": "#/components/schemas/Factor"
                 }
               }
             }
@@ -804,13 +804,13 @@
                     "type": "string"
                   },
                   "factor_type": {
-                    "$ref": "schemas.yaml#/FactorType"
+                    "$ref": "#/components/schemas/FactorType"
                   },
                   "entity": {
-                    "$ref": "schemas.yaml#/EntityIdentifier"
+                    "$ref": "#/components/schemas/EntityIdentifier"
                   },
                   "config": {
-                    "$ref": "schemas.yaml#/PasskeyFactorConfigRequest"
+                    "$ref": "#/components/schemas/PasskeyFactorConfigRequest"
                   }
                 },
                 "required": [
@@ -832,7 +832,7 @@
             "name": "service_sid",
             "in": "path",
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "required": true
           },
@@ -840,7 +840,7 @@
             "name": "entity_sid",
             "in": "query",
             "schema": {
-              "$ref": "schemas.yaml#/EntitySID"
+              "$ref": "#/components/schemas/EntitySID"
             }
           },
           {
@@ -854,14 +854,14 @@
             "name": "page_size",
             "in": "query",
             "schema": {
-              "$ref": "schemas.yaml#/PageSize"
+              "$ref": "#/components/schemas/PageSize"
             }
           },
           {
             "name": "page_token",
             "in": "query",
             "schema": {
-              "$ref": "schemas.yaml#/PageToken"
+              "$ref": "#/components/schemas/PageToken"
             }
           }
         ],
@@ -876,11 +876,11 @@
                     "factors": {
                       "type": "array",
                       "items": {
-                        "$ref": "schemas.yaml#/Factor"
+                        "$ref": "#/components/schemas/Factor"
                       }
                     },
                     "pagination": {
-                      "$ref": "schemas.yaml#/PaginationMetadata"
+                      "$ref": "#/components/schemas/PaginationMetadata"
                     }
                   }
                 }
@@ -898,7 +898,7 @@
         "parameters": [
           {
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "name": "service_sid",
             "in": "path",
@@ -911,7 +911,7 @@
             "content": {
               "application/json": {
                 "schema": {
-                  "$ref": "schemas.yaml#/Factor"
+                  "$ref": "#/components/schemas/Factor"
                 }
               }
             }
@@ -921,7 +921,7 @@
           "content": {
             "application/json": {
               "schema": {
-                "$ref": "schemas.yaml#/PasskeyFactorPublicKeyCredential"
+                "$ref": "#/components/schemas/PasskeyFactorPublicKeyCredential"
               }
             }
           }
@@ -938,7 +938,7 @@
             "name": "service_sid",
             "in": "path",
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "required": true
           },
@@ -946,7 +946,7 @@
             "name": "factor_sid",
             "in": "path",
             "schema": {
-              "$ref": "schemas.yaml#/FactorSID"
+              "$ref": "#/components/schemas/FactorSID"
             },
             "required": true
           }
@@ -956,7 +956,7 @@
             "content": {
               "application/json": {
                 "schema": {
-                  "$ref": "schemas.yaml#/Factor"
+                  "$ref": "#/components/schemas/Factor"
                 }
               }
             },
@@ -971,7 +971,7 @@
         "parameters": [
           {
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "name": "service_sid",
             "in": "path",
@@ -979,7 +979,7 @@
           },
           {
             "schema": {
-              "$ref": "schemas.yaml#/FactorSID"
+              "$ref": "#/components/schemas/FactorSID"
             },
             "name": "factor_sid",
             "in": "path",
@@ -1001,7 +1001,7 @@
         "parameters": [
           {
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "name": "service_sid",
             "in": "path",
@@ -1014,7 +1014,7 @@
             "content": {
               "application/json": {
                 "schema": {
-                  "$ref": "schemas.yaml#/Challenge"
+                  "$ref": "#/components/schemas/Challenge"
                 }
               }
             }
@@ -1029,10 +1029,10 @@
                 "description": "This operation creates Challenges.",
                 "properties": {
                   "factor_sid": {
-                    "$ref": "schemas.yaml#/FactorSID"
+                    "$ref": "#/components/schemas/FactorSID"
                   },
                   "entity": {
-                    "$ref": "schemas.yaml#/EntityIdentifier"
+                    "$ref": "#/components/schemas/EntityIdentifier"
                   },
                   "details": {
                     "type": "object",
@@ -1043,7 +1043,7 @@
                         "description": "The relying party identifier."
                       },
                       "userVerification": {
-                        "$ref": "schemas.yaml#/UserVerification"
+                        "$ref": "#/components/schemas/UserVerification"
                       }
                     },
                     "required": [
@@ -1069,14 +1069,14 @@
             "in": "path",
             "required": true,
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             }
           },
           {
             "name": "entity_sid",
             "in": "query",
             "schema": {
-              "$ref": "schemas.yaml#/EntitySID"
+              "$ref": "#/components/schemas/EntitySID"
             }
           },
           {
@@ -1090,14 +1090,14 @@
             "name": "page_size",
             "in": "query",
             "schema": {
-              "$ref": "schemas.yaml#/PageSize"
+              "$ref": "#/components/schemas/PageSize"
             }
           },
           {
             "name": "page_token",
             "in": "query",
             "schema": {
-              "$ref": "schemas.yaml#/PageToken"
+              "$ref": "#/components/schemas/PageToken"
             }
           }
         ],
@@ -1112,11 +1112,11 @@
                     "challenges": {
                       "type": "array",
                       "items": {
-                        "$ref": "schemas.yaml#/Challenge"
+                        "$ref": "#/components/schemas/Challenge"
                       }
                     },
                     "pagination": {
-                      "$ref": "schemas.yaml#/PaginationMetadata"
+                      "$ref": "#/components/schemas/PaginationMetadata"
                     }
                   }
                 }
@@ -1134,7 +1134,7 @@
         "parameters": [
           {
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "name": "service_sid",
             "in": "path",
@@ -1147,7 +1147,7 @@
             "content": {
               "application/json": {
                 "schema": {
-                  "$ref": "schemas.yaml#/Challenge"
+                  "$ref": "#/components/schemas/Challenge"
                 }
               }
             }
@@ -1157,7 +1157,7 @@
           "content": {
             "application/json": {
               "schema": {
-                "$ref": "schemas.yaml#/ChallengePublicKeyCredential"
+                "$ref": "#/components/schemas/ChallengePublicKeyCredential"
               }
             }
           }
@@ -1172,7 +1172,7 @@
         "parameters": [
           {
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "name": "service_sid",
             "in": "path",
@@ -1180,7 +1180,7 @@
           },
           {
             "schema": {
-              "$ref": "schemas.yaml#/ChallengeSID"
+              "$ref": "#/components/schemas/ChallengeSID"
             },
             "name": "challenge_sid",
             "in": "path",
@@ -1192,7 +1192,7 @@
             "content": {
               "application/json": {
                 "schema": {
-                  "$ref": "schemas.yaml#/Challenge"
+                  "$ref": "#/components/schemas/Challenge"
                 }
               }
             },
@@ -1207,7 +1207,7 @@
         "parameters": [
           {
             "schema": {
-              "$ref": "schemas.yaml#/ServiceSID"
+              "$ref": "#/components/schemas/ServiceSID"
             },
             "name": "service_sid",
             "in": "path",
@@ -1215,7 +1215,7 @@
           },
           {
             "schema": {
-              "$ref": "schemas.yaml#/ChallengeSID"
+              "$ref": "#/components/schemas/ChallengeSID"
             },
             "name": "challenge_sid",
             "in": "path",