SMS OTP is an authentication factor in which a one-time passcode is sent to the user by text message for verification. It matters because text-based verification is still common but offers weaker protection than more phishing-resistant methods.
What is SMS OTP?
After a login or transaction, the system sends a short-lived code by SMS that the user enters to confirm control of the phone number. While better than password-only access in many cases, SMS OTP is vulnerable to SIM swapping, interception, phishing, and social engineering.
What SMS OTP Commonly Supports
Common uses include basic MFA, consumer login verification, account recovery, and low-to-moderate assurance workflows.
SMS OTP vs. Phishing-Resistant MFA
SMS OTP relies on telephone-number control and user code entry. Phishing-resistant methods use stronger cryptographic or device-bound proof that is harder to steal and replay.
Frequently Asked Questions
Why is SMS OTP still used?
Because it is widely reachable and simple to deploy for large user populations.
Should it be used for high-risk systems?
Usually stronger factors are preferred for high-risk access or sensitive administrative actions.
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