Multi-factor authentication (MFA)
Logging in with two or more independent factors, such as a password and a phone.
Multi-factor authentication requires at least two different types of proof: something you know, something you have and something you are. If one factor is stolen, the account is still protected by the other.
Common combinations
- Password plus a one-time code from an app.
- Passkey on a phone, unlocked with a fingerprint or face.
- Hardware security key plus PIN.
MFA and identity verification
MFA protects an account, but it doesn't tell you who opened it. For that, the identity is verified once at onboarding. When MFA has to be reset, for example after a lost phone, a fresh selfie matched against the verified identity is a safer recovery path than email alone.
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