Ory is the largest open source community in the world for cloud software application security. We maintain advanced open source security software solving authentication, authorization, access control, application network security, and delegation. Ory implements a variety of industry and best-practice standards including OAuth 2.0 / OAuth 2.1, OpenID Connect, Zero Trust Networking, Google Zanzibar Policy Framework, FIDO2 U2F, WebAuthn, TOTP, and more.

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Can I start with normal login and initiate MFA later, on “dangerous” operations? ex: Github asks you for password for sensitive area. But MFA instead

Hey, yes you can implement that with "Authenticator Assurance Level"
<https://www.ory.sh/docs/kratos/concepts/credentials#authenticator-assurance-level-2-aal2>

aal2 is what you are looking for, requiring MFA for certain flows, most common is settings (changing password/email etc.)

Thank you! I am moving forward with integration as Kratos meets most of our needs.
Look forward contribute to Kratos and other tools.