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Multi-factor authentication (MFA)

Authentication that requires two or more different kinds of evidence — something you know, have, or are.

What Multi-factor authentication (MFA) means

Multi-factor authentication requires evidence from more than one category — knowledge (a password), possession (a device or key) or inherence (a biometric) — so that compromising one factor is not enough. Its strength varies widely: SMS codes and authenticator-app codes can be phished in real time; passkeys and security keys cannot.

Defined in: NIST SP 800-63B; OWASP Multifactor Authentication Cheat Sheet.

How it works

NIST SP 800-63B treats SMS and voice one-time passwords as restricted authenticators because of SIM swapping and interception, and defines phishing resistance as a property of the authenticator rather than the number of factors.

In a multi-tenant product MFA is usually a tenant policy: some customers require it, others leave it to users.

The mistake people actually make

Allowing MFA to be bypassed at account recovery or by a 'remember this device' cookie that never expires. The bypass becomes the real security level.

In Authreads

How this applies here

Available today: passkeys, authenticator apps (TOTP), emailed one-time codes and single-use recovery codes, with per-tenant method policy and step-up. Tokens report the achieved strength in amr and acr.

Every capability is listed on /roadmap as Available, In progress or Planned. Nothing is described as available here that is not listed as Available there.

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