Phishing Protection
User codes easily phished.
Tokens can leak or be replayed.
SIM-bound mutual auth blocks phishing.
SIM Swap Defense
None — codes follow the new SIM.
Partial; depends on vendor link.
SIM key-based, swap-proof.
User Experience
Manual, slow, error-prone.
Mostly smooth.
Instant, silent, seamless.
Network coverage
Cellular only.
IP-based, not telco-native.
Works over Wi-Fi, 5G, or mobile.
Reliability
Breaks on failure.
Limited fallback.
Built-in failover; always-on continuity.