I have a client who does not have an AGOL account at the moment. However, my other clients are an organization who do have an account and are building a WebApp and survey123 for my client without an account. If the organization buys the single client a field license, will they be able to share the WebApp and survey123 with him as a single individual?
If I understand correctly, "Distributed Collaboration" is answer of your question.
Please check out below link, is it what are you looking for?