Very helpful article. I recently went down the TOTP rabbit hole and this article would have been great.
I run a suite of servers and setup scripts that go with them. I can create users and secret keys easily enough using our APIs, but I needed a way to generate TOTP codes on the fly. I got it working on my machine, but sharing it with others was a bit difficult because really the only "logic" was generating the secrets while everything else was static data and storing responses from the APIs.
I ended up making my own API to generate TOTP codes from secrets, <https://totpapi.com>. I try to make it clear it should only be used for testing, but it makes this kind of thing much easier for me. Maybe it will help someone else as well. :)