2FA Method Risk-Score
SMS vs TOTP vs Hardware-Key — security ranked
2FA method security ranked: SMS (vulnerable to SIM-swap), TOTP/Authenticator (good), Hardware key (best). Plus account-by-account recommended setup.
For each account, pick best 2FA method:
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2FA Method Risk-Score
SMS is broken (SIM-swap attacks). TOTP solid. Hardware Keys (Yubikey) + Passkeys = phishing-proof. Ranked per use case + concrete setup recommendations.
How to use this tool
- 1
Pick 2FA method
SMS, TOTP, Hardware-Key, etc.
- 2
Per-account context
Email, bank, social, work.
- 3
Risk score
Plus recommended setup.
Frequently Asked Questions
Why is SMS 2FA bad?
SIM-swap attacks: criminal calls carrier, impersonates you, gets number transferred. Then receives all your SMS codes. Major attacks (Twitter CEO, crypto people) lost millions this way. Also: SS7 telecom protocol vulnerable.
TOTP / Authenticator apps?
Google/Authy/Microsoft Authenticator/Aegis. Code generated locally, no SMS. Massive improvement over SMS. Vulnerability: phishing (you enter code on fake site). Modern: WebAuthn/Passkeys solve phishing.
Hardware keys (Yubikey, Titan)?
Best protection. ~$50-70 per key. Use 2 (primary + backup, geo-separate). Phishing-resistant: domain-bound. Microsoft, Google, GitHub, Apple all support. Top crypto + sensitive uses MUST use these.
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