Phishing Protection
One-time codes get stolen all the time
Tokens can be replayed
Tied to the SIM chip — can’t be faked
SIM Swap Defense
No protection — easy to hijack
Medium risk, no carrier check
Verified by the carrier, real-time
User Experience
Typing codes, delays, drop-off
Hidden but still a few seconds
Instant, invisible — users don’t even notice
Audit & Compliance
Scattered logs, weak forensics
Some visibility
Signed logs, fully traceable
Replay Protection
Same code can be reused
Basic safeguards
Unique challenge-response every time
AI/Deepfake Defense
Wide open to impersonation
Moderate resistance
Hardware-level defense against spoofing
Future-Proofing
Not ready for quantum threat era
Depends on vendor roadmap
Roadmap includes quantum-ready cryptography
Wi-Fi Compatibility
Often breaks without mobile network
Spotty reliability
100% works over Wi-Fi
Fallback Options
If SMS fails, user is stuck
May work depending on device
Smart fallback that auto-switches if needed