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Passkey vs Password MFA: NIST Rules and Phishing Resistance

Passkey vs password MFA explained through NIST rules on passwords, syncable authenticators, SMS and email, and the open question of phishing resistance.

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The context

The rule: syncable authenticators are excluded at AAL3.

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Key point

The stated reason: they require the private key to be exportable.

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Key point

Whether a specific product sold or labeled as a passkey is a syncable authenticator.

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Key point

How the guideline treats syncable authenticators at levels other than AAL3.

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Bottom line

Whether any passkey meets a definition of phishing resistance.

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Sources

Educational content, not investment advice. Full article and sources below.

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