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NextGate Authentication Specification v1.0

1. Overview

Approach: Passwordless-first, device-trusted, risk-aware authentication.

Principle Implementation
Passwordless default OTP-based, password optional (add later in settings)
Device trust Hardware-bound keys (mobile), fingerprint (web)
Risk-based Dynamic verification based on risk score
Age-gated 18+ full access, tiered restrictions below

2. Sign Up Flow

┌─────────────────────────────────────┐
│      Enter phone/email              │
│      OR tap Google/Apple            │
└─────────────────┬───────────────────┘
                  │
        ┌─────────┴─────────┐
        ▼                   ▼
   Phone/Email            OAuth
        │                   │
        ▼                   │
    Verify OTP              │
        │                   │
        └─────────┬─────────┘
                  ▼
┌─────────────────────────────────────┐
│      Enter Birthdate (Age Gate)     │
└─────────────────┬───────────────────┘
                  │
      ┌───────────┼───────────┐
      ▼           ▼           ▼
    18+        13-17      Under 13
      │           │           │
      ▼           ▼           ▼
   Continue   Restricted    Block
      │        + Parent      │
      │        Consent       ▼
      │           │        "Come back
      └─────┬─────┘         later"
            ▼
┌─────────────────────────────────────┐
│      Pick Username (@handle)        │
└─────────────────┬───────────────────┘
                  ▼
┌─────────────────────────────────────┐
│      Select Interests (min 3)       │
└─────────────────┬───────────────────┘
                  ▼
┌─────────────────────────────────────┐
│      Profile Setup (optional skip)  │
│      • Display name                 │
│      • Photo                        │
│      • Bio                          │
└─────────────────┬───────────────────┘
                  ▼
              Home 🎉
        (Device registered)

3. Login Flow

┌─────────────────────────────────────┐
│  Enter phone/email/username         │
│  OR tap Google/Apple                │
└─────────────────┬───────────────────┘
                  │
        ┌─────────┴─────────┐
        ▼                   ▼
   Identifier             OAuth
        │                   │
        ▼                   │
   Detect type:             │
   • + prefix → Phone       │
   • @domain → Email        │
   • else → Username        │
        │                   │
        ▼                   │
   Find account             │
        │                   │
   ┌────┴────┐              │
   ▼         ▼              │
Has PWD?  No PWD            │
   │         │              │
   ▼         │              │
┌────────┐   │              │
│Choose: │   │              │
│• OTP   │   │              │
│• PWD   │   │              │
└───┬────┘   │              │
    │        │              │
    └────┬───┘              │
         ▼                  │
   ┌─────────────┐          │
   │ If username │          │
   │ login: show │          │
   │ masked OTP  │          │
   │ destination │          │
   └──────┬──────┘          │
          │                 │
          ▼                 │
   Verify OTP/PWD           │
          │                 │
          └────────┬────────┘
                   ▼
            Device Check
                   │
          (see section 5)

OTP Destination (Username Login)

┌─────────────────────────────────────┐
│      Send OTP to:                   │
│                                     │
│      ○ ••• ••• ••45                 │
│      ○ j••••••@g••••.com            │
│                                     │
│      [Send OTP]                     │
└─────────────────────────────────────┘

If only one exists → skip choice, send directly

4. Login Method Summary

Has Password? Login Options
No OTP only (passwordless)
Yes Choose: OTP or Password
Login Method New Device Handling
OTP None needed — OTP is verification
Password OTP required on new device
OAuth OTP required on new device

5. Device Trust

Platform Strategy

Platform Method Trust Level
iOS Secure Enclave key pair ⭐⭐⭐⭐⭐ High
Android StrongBox/TEE Keystore ⭐⭐⭐⭐⭐ High
Web Fingerprint + session key ⭐⭐⭐ Medium

Mobile Device Registration

First App Launch
       │
       ▼
┌─────────────────────────────────────┐
│ Generate key pair in Secure Enclave │
│ • Private key: NEVER leaves device  │
│ • Public key: sent to server        │
└─────────────────┬───────────────────┘
                  ▼
        Device registered ✅

Login with Device Verification

┌─────────────────────────────────────┐
│ 1. Client: GET /auth/challenge      │
│    Server returns: { nonce: "xyz" } │
└─────────────────┬───────────────────┘
                  ▼
┌─────────────────────────────────────┐
│ 2. Client: Sign nonce with          │
│    hardware private key             │
└─────────────────┬───────────────────┘
                  ▼
┌─────────────────────────────────────┐
│ 3. Client: POST /auth/login         │
│    { signature, deviceId, nonce }   │
└─────────────────┬───────────────────┘
                  ▼
┌─────────────────────────────────────┐
│ 4. Server: Verify signature with    │
│    stored public key                │
│    • Valid → trusted device ✅      │
│    • Invalid → block ❌             │
└─────────────────────────────────────┘

Why Attacker Fails

Attacker has:     ✅ Password, ✅ DeviceId, ✅ Nonce
Attacker needs:   ❌ Private key (locked in victim's hardware)
Result:           ❌ Cannot forge signature → Attack fails

6. Risk Scoring

Signals & Weights

Signal Low (0) Medium High
Location Same city Same country (+10) New country (+25)
Device Known (0) Similar OS (+10) New OS (+20)
IP Normal ISP (0) Different ISP (+10) VPN/TOR (+30)
Time Normal hours (0) Unusual (+10) 2-5 AM (+15)
Failed attempts None (0) 1-2 (+10) 3+ (+25)
Velocity Normal (0) Multiple (+15) Rapid (+30)
Device signature Valid (-20) Missing (+15) Invalid (+40)

Thresholds & Actions

Score Risk Level Action
0-30 🟢 Low Allow
31-60 🟡 Medium Soft verify (email link)
61-85 🔴 High Phone OTP required
86-100 ⛔ Critical Block + alert user

Impossible Travel

Last login: Dar es Salaam at 10:00 AM
This login: London at 10:30 AM
Distance: 7,500 km in 30 min = impossible

→ +40 points → likely compromised

7. Age Restriction

Tiers

Age Access Level
18+ Full access
13-17 Restricted (no purchases, filtered content)
Under 13 Blocked (COPPA)

Blocked User Handling

User blocked (underage)
       │
       ▼
Tries again with same phone/email
       │
       ▼
┌─────────────────────────────────────┐
│ System checks:                      │
│ • Phone/email in blocked list?      │
│ • Device fingerprint matches?       │
│ • Same IP?                          │
└─────────────────┬───────────────────┘
                  ▼
            Block signup
       "Cannot register at this time"

8. Username Rules

Change Limits (Anti-Fraud)

Account Age Allowed Changes
Day 0 (today) 5 changes
1-30 days 1 per month
1-12 months 1 per month
12+ months 1 per year
SYSTEM accounts Never

Account Types

Type Examples Username Change
NORMAL Regular users Limited (above)
SYSTEM @nextgate, @admin, @support Never
VERIFIED @nike, @cocacola Requires approval

9. Session Management

Sign Out Options

Action What It Does Requires
Sign out Current device only Nothing
Sign out others All except current OTP/Password
Sign out all Everything OTP/Password

Active Sessions View

┌─────────────────────────────────────┐
│ 📱 iPhone 14 Pro                    │
│    Dar es Salaam • Active now       │
│    This device                 [●]  │
├─────────────────────────────────────┤
│ 💻 Chrome on Windows                │
│    Nairobi • 2 hours ago            │
│                          [Sign out] │
├─────────────────────────────────────┤
│ [Sign out other devices]            │
│ [Sign out all devices] ⚠️           │
└─────────────────────────────────────┘

10. Security Settings

┌─────────────────────────────────────┐
│ Security Settings 🔒                │
├─────────────────────────────────────┤
│ Phone: +255 712 •••456   ✅ Verified │
│ Email: j••••@email.com   ✅ Verified │
├─────────────────────────────────────┤
│ Password: Not set           [Add]   │
│ 💡 Optional extra security          │
├─────────────────────────────────────┤
│ Linked Accounts:                    │
│ Google: Not linked         [Link]   │
│ Apple: Not linked          [Link]   │
└─────────────────────────────────────┘

11. API Endpoints

Auth - Signup

Endpoint Purpose
POST /auth/signup/initiate Start signup (phone/email)
POST /auth/signup/verify-otp Verify OTP
POST /auth/signup/age Submit birthdate
POST /auth/signup/username Set username
POST /auth/signup/interests Select interests
POST /auth/signup/profile Complete profile (optional)

Auth - Login

Endpoint Purpose
POST /auth/login/initiate Start login
POST /auth/login/otp Login with OTP
POST /auth/login/password Login with password
GET /auth/challenge Get nonce for device signing

Auth - Device

Endpoint Purpose
POST /auth/device/register Register device (public key)
POST /auth/device/verify Verify new device OTP
GET /auth/devices List trusted devices
DELETE /auth/devices/{id} Revoke device

Auth - Session

Endpoint Purpose
GET /auth/sessions List active sessions
POST /auth/sign-out Current device
POST /auth/sign-out-others All except current
POST /auth/sign-out-all Everything

12. Database Entities

New Entities

Entity Purpose
DeviceKey Hardware-bound public keys
UserSession Active sessions
LoginAttempt Risk scoring data
BlockedUser Blocked identifiers/devices
InterestCategory Admin-managed interests
UserInterest User selections
UsernameChangeHistory Track changes

AccountEntity Changes

Field Change
password Make nullable
birthDate Add
displayName Add
accountType Add (NORMAL, SYSTEM, VERIFIED)
accountTier Add (FULL, RESTRICTED, MINOR)
authProvider Add (PHONE, EMAIL, GOOGLE, APPLE)
onboardingStep Add
usernameLastChangedAt Add
usernameChangeCount Add

13. Enums

AuthProvider: PHONE, EMAIL, GOOGLE, APPLE
AccountType: NORMAL, SYSTEM, VERIFIED
AccountTier: FULL, RESTRICTED, MINOR
DevicePlatform: IOS, ANDROID, WEB
TrustLevel: HIGH, MEDIUM, LOW
RiskLevel: LOW, MEDIUM, HIGH, CRITICAL

14. Quick Reference

Onboarding Steps

1. Signup (phone/email/OAuth)
2. Verify OTP (if phone/email)
3. Birthdate (age gate)
4. Username
5. Interests (min 3)
6. Profile (optional)

Device Verification Matrix

Login Method Known Device New Device
OTP → Home → Home (OTP is verification)
Password → Home → OTP required → Home
OAuth → Home → OTP required → Home

Risk Score Quick Reference

0-30:   Allow
31-60:  Soft verify
61-85:  Phone OTP
86-100: Block + alert

15. Complete Device & Auth Flow (Top to Bottom)

When Does What Happen?

Action When Where
Device Registration First app launch (before any auth) Mobile only
Web Session Init First visit (before any auth) Web only
Risk Scoring After credentials verified, before home Login only
Device Verification OTP After risk score (if needed) Login only (new device + password/OAuth)

Master Flow Chart

┌─────────────────────────────────────────────────────────────────────────────┐
│                           APP/WEB FIRST LAUNCH                              │
└─────────────────────────────────┬───────────────────────────────────────────┘
                                  │
                    ┌─────────────┴─────────────┐
                    ▼                           ▼
              Mobile App                    Web Browser
                    │                           │
                    ▼                           ▼
        ┌───────────────────────┐   ┌───────────────────────┐
        │ Generate key pair in  │   │ Generate session ID   │
        │ Secure Enclave/TEE    │   │ + collect fingerprint │
        │                       │   │                       │
        │ Store private key     │   │ Store in memory       │
        │ (hardware, never      │   │ (ephemeral)           │
        │ leaves device)        │   │                       │
        └───────────┬───────────┘   └───────────┬───────────┘
                    │                           │
                    └─────────────┬─────────────┘
                                  │
                                  ▼
                    ┌─────────────────────────┐
                    │   Show Login/Signup     │
                    │   Screen                │
                    └─────────────┬───────────┘
                                  │
                    ┌─────────────┴─────────────┐
                    ▼                           ▼
                 SIGNUP                       LOGIN
                    │                           │
                    ▼                           ▼
┌───────────────────────────────┐ ┌───────────────────────────────────────────┐
│         SIGNUP FLOW           │ │              LOGIN FLOW                   │
├───────────────────────────────┤ ├───────────────────────────────────────────┤
│                               │ │                                           │
│ 1. Enter phone/email/OAuth    │ │ 1. Enter identifier (phone/email/username)│
│            │                  │ │    OR tap OAuth                           │
│            ▼                  │ │            │                              │
│ 2. Verify OTP (if not OAuth)  │ │            ▼                              │
│            │                  │ │ 2. GET /auth/challenge ◄── GET NONCE      │
│            ▼                  │ │    Server returns { nonce: "xyz" }        │
│ 3. Enter birthdate (age gate) │ │            │                              │
│            │                  │ │            ▼                              │
│    ┌───────┴───────┐          │ │ 3. Sign nonce with hardware key (mobile)  │
│    ▼               ▼          │ │    OR attach fingerprint (web)            │
│  18+            <18           │ │            │                              │
│    │          (block/         │ │            ▼                              │
│    │          restrict)       │ │ 4. Find account                           │
│    ▼                          │ │            │                              │
│ 3.4. EnterPick birthdate (age gate)username              │ │    ┌───────┴───────┐                      │
│            │                  │ │    ▼               ▼                      │
│            ┌───────┴───────┐                  │ │ Has password?   No password               │
│ 5. Select interests (min 3)   │ │    │               │                      │
│            │                  │ │                   │                      │
│            ▼                  │ │ Show choice:      │                      │
│ 6. Profile setup (optional)   │ │ • OTP             │                      │
│            │                  │ │ • Password        │                      │
│            ▼                  │ │    │               │                      │
│ 18+7. <18Register device │    ▼               │                      │
│    │          (block/         │ │ Show choice:      │                      │
│    │          restrict)       │ │ • OTP             │                      │
│    ▼                          │ │ • Password        │                      │
│ 4. Pick username              │ │    │               │                      │
│            │with       │ │    └───────┬───────┘                      │
│    server (send public key)   │ │            ▼                              │
│            5. Select interests (min 3)                  │ │ 3.5. VerifyPOST /auth/login with:                 │
│            ▼                  │ │    • credentials (OTP or Passwordpassword)        │
│        HOME 🎉                │ │    • deviceId                             │
│   (Device trusted)            │ │    • nonce                                │
│                               │ │    • signature ◄── SIGNED NONCE           │
└───────────────────────────────┘ │            │                              │
                                  │            ▼                              │
                                  │ 6. Server validates BOTH:                 │
                                  │    6. ProfileCredentials setup✓                        │
                                  │    • Signature ✓ (optional)if known device)        │
                                  │            │                              │
                                  │            ▼                              │
                                  │ ┌─────────────────────────────────────┐   │
                                  │ │      │ │ │      DEVICE CHECK (LoginAfter Only)Auth)   │
│            ▼   │
                                  │ ├─────────────────────────────────────┤   │
                                  │ 7. Register device with       │                                     │ │                                     │   │
│    server (send public key)   │
                                  │ │  Is device known?                   │   │
                                  │ │         │                           │   │
                                  │ │    │
│            ▼                  │ │ │    ┌────┴────┐                      │   │
                                  │ HOME 🎉                │ │ │    ▼         ▼                      │   │
│   (Device trusted)   │
                                  │ │  Known    Unknown                   │   │
                                  │ │    │         │                      │   │                      │   │
└───────────────────────────────┘
                                  │ │    │    Login method?               │   │
                                  │ │    │         │                      │   │
                                  │ │    │    ┌────┴────────┐             │   │
                                  │ │    │    ▼            ▼              │   │
                                  │ │    │   OTP      PWD/OAuth           │   │
                                  │ │    │    │            │              │   │
                                  │ │    │    │     Calculate risk        │   │
                                  │ │    │    │            │              │   │
                                  │ │    │    │    ┌───────┴───────┐      │   │
                                  │ │    │    │    ▼               ▼      │   │
                                  │ │    │    │  Low/Med         High     │   │
                                  │ │    │    │  (0-60)         (61+)     │   │
                                  │ │    │    │    │               │      │   │
                                  │ │    │    │    ▼               ▼      │   │
                                  │ │    │    │  Soft verify   Phone OTP  │   │
                                  │ │    │    │  (email link)   required  │   │
                                  │ │    │    │    │               │      │   │
                                  │ │    │    │    └───────┬───────┘      │   │
                                  │ │    │    │            │              │   │
                                  │ │    │    │    Register new device    │   │
                                  │ │    │    │    (send public key)      │   │
                                  │ │    │    │            │              │   │
                                  │ │    └────┴────────────┘              │   │
                                  │ │                                     │   │
                                  │ └─────────────────┬───────────────────┘   │
                                  │                   │                       │
                                  │                   ▼                       │
                                  │               HOME 🎉                     │
                                  │                                           │
                                  └───────────────────────────────────────────┘

Challenge-Response: Detailed Flow

┌─────────────────────────────────────────────────────────────────────────────┐
│                        CHALLENGE-RESPONSE FLOW                              │
├─────────────────────────────────────────────────────────────────────────────┤
│                                                                             │
│   STEP 1: User enters identifier (before submitting credentials)            │
│                                                                             │
│   ┌──────────┐         GET /auth/challenge            ┌──────────┐         │
│   │  Client  │ ─────────────────────────────────────▶ │  Server  │         │
│   └──────────┘                                        └────┬─────┘         │
│                                                            │               │
│                                                            ▼               │
│                                                   Generate nonce           │
│                                                   (random, expires 60s)    │
│                                                            │               │
│   ┌──────────┐         { nonce: "xyz123" }           ┌────┴─────┐         │
│   │  Client  │ ◀───────────────────────────────────── │  Server  │         │
│   └────┬─────┘                                        └──────────┘         │
│        │                                                                    │
│        ▼                                                                    │
│   STEP 2: Client signs nonce (mobile only)                                  │
│                                                                             │
│   ┌─────────────────────────────────────────┐                              │
│   │  signature = sign(                      │                              │
│   │    nonce + timestamp,                   │                              │
│   │    privateKey  ◄── from Secure Enclave  │                              │
│   │  )                                      │                              │
│   └─────────────────────────────────────────┘                              │
│                                                                             │
│   STEP 3: Submit login with signature                                       │
│                                                                             │
│   ┌──────────┐      POST /auth/login              ┌──────────┐             │
│   │  Client  │ ─────────────────────────────────▶ │  Server  │             │
│   └──────────┘      {                             └────┬─────┘             │
│                       identifier: "user@mail.com",     │                   │
│                       otp: "123456",                   │                   │
│                       deviceId: "dev_abc",             │                   │
│                       nonce: "xyz123",                 │                   │
│                       signature: "abc123..."           │                   │
│                     }                                  │                   │
│                                                        ▼                   │
│   STEP 4: Server validates                    ┌───────────────────┐        │
│                                               │ 1. Nonce valid?   │        │
│                                               │    (not expired,  │        │
│                                               │    not reused)    │        │
│                                               │         │         │        │
│                                               │         ▼         │        │
│                                               │ 2. Credentials?   │        │
│                                               │    (OTP/password) │        │
│                                               │         │         │        │
│                                               │         ▼         │        │
│                                               │ 3. Signature?     │        │
│                                               │    (verify with   │        │
│                                               │    stored pubkey) │        │
│                                               └─────────┬─────────┘        │
│                                                         │                  │
│                                               ┌─────────┴─────────┐        │
│                                               ▼                   ▼        │
│                                           All pass            Any fail     │
│                                               │                   │        │
│                                               ▼                   ▼        │
│                                           Continue            Reject       │
│                                           to device           login        │
│                                           check                            │
│                                                                             │
└─────────────────────────────────────────────────────────────────────────────┘

When Challenge Happens: Summary

ScenarioChallenge?Signature Validated?
Signup❌ No❌ No (device not registered yet)
Login - Known device (mobile)✅ Yes✅ Yes (must match)
Login - Known device (web)✅ Yes🟡 Fingerprint checked
Login - Unknown device✅ Yes❌ No pubkey stored yet

Request/Response Example

1. Get Challenge:

GET /auth/challenge

Response:
{
  "nonce": "ch_7f8a9b2c3d4e5f6g",
  "expiresIn": 60
}

2. Login with Signature:

POST /auth/login

{
  "identifier": "alex@email.com",
  "otp": "123456",
  "deviceId": "dev_iphone14_abc123",
  "nonce": "ch_7f8a9b2c3d4e5f6g",
  "signature": "MEUCIQD2k3n...(base64 signed data)...",
  "timestamp": "2026-01-12T10:30:00Z"
}

Signup vs Login: What Happens Where

Step Signup Login
Device key generation ✅ Before auth (app launch) ✅ Before auth (app launch)
OTP verification ✅ To verify phone/email ✅ As login method OR device verify
Age gate ✅ After OTP ❌ Not needed
Username ✅ Required ❌ Not needed
Interests ✅ Required ❌ Not needed
Risk scoring ❌ Not needed (new account) ✅ After credentials verified
Device verification OTP ❌ Not needed (first device) ✅ If new device + high risk
Device registration ✅ End of onboarding ✅ After device verification

Risk Scoring: When & How

                    Login credentials verified
                              │
                              ▼
                    ┌─────────────────────┐
                    │  Collect signals:   │
                    │  • IP / Location    │
                    │  • Device info      │
                    │  • User agent       │
                    │  • Timestamp        │
                    │  • Login history    │
                    └──────────┬──────────┘
                               │
                               ▼
                    ┌─────────────────────┐
                    │  Calculate score:   │
                    │  Location:    +25   │
                    │  Device:      +20   │
                    │  IP:          +0    │
                    │  Time:        +10   │
                    │  Velocity:    +0    │
                    │  ──────────────     │
                    │  Total:       55    │
                    └──────────┬──────────┘
                               │
                               ▼
                    ┌─────────────────────┐
                    │  Score: 55 = MEDIUM │
                    │  Action: Soft verify│
                    └─────────────────────┘

16. Logout / Sign Out

Options

Action What It Does Requires
Sign out End current session Nothing
Sign out other devices End all except current OTP or Password
Sign out all devices End everything OTP or Password

Flow

User taps "Sign out"
        │
        ├── "Sign out" (this device)
        │         │
        │         ▼
        │   Revoke current token
        │         │
        │         ▼
        │   → Login screen
        │
        ├── "Sign out other devices"
        │         │
        │         ▼
        │   Verify (OTP or Password)
        │         │
        │         ▼
        │   Revoke all tokens except current
        │         │
        │         ▼
        │   "Other devices signed out" ✅
        │
        └── "Sign out all devices"
                  │
                  ▼
          Verify (OTP or Password)
                  │
                  ▼
          Revoke ALL tokens (including current)
                  │
                  ▼
          → Login screen

Session Management Screen

┌─────────────────────────────────────┐
│      Active Sessions 🔒             │
├─────────────────────────────────────┤
│                                     │
│   📱 iPhone 14 Pro                  │
│      Dar es Salaam • Active now    │
│      This device              [●]  │
│                                     │
│   💻 Chrome on Windows              │
│      Nairobi • 2 hours ago         │
│                        [Sign out]  │
│                                     │
│   📱 Samsung Galaxy S23             │
│      Mombasa • Yesterday           │
│                        [Sign out]  │
│                                     │
├─────────────────────────────────────┤
│                                     │
│   [Sign out other devices]         │
│                                     │
│   [Sign out all devices] ⚠️         │
│                                     │
└─────────────────────────────────────┘

Sign Out Endpoints

Endpoint Purpose
POST /auth/sign-out Current device
POST /auth/sign-out-others All except current
POST /auth/sign-out-all Everything
DELETE /auth/sessions/{id} Specific session

18. Industry Comparison

NextGate vs Major Platforms

Feature NextGate Instagram Twitter/X WhatsApp Banking Apps
Passwordless default ✅ Yes ❌ No ❌ No ✅ Yes 🟡 Some
Hardware-bound keys ✅ Yes ❌ No ❌ No ❌ No ✅ Yes
Risk-based auth ✅ Yes 🟡 Basic 🟡 Basic ❌ No ✅ Yes
Device trust ✅ Advanced 🟡 Basic 🟡 Basic 🟡 Basic ✅ Advanced
Impossible travel detection ✅ Yes 🟡 Limited 🟡 Limited ❌ No ✅ Yes
Session management ✅ Full ✅ Full ✅ Full 🟡 Limited ✅ Full
Age verification ✅ Tiered 🟡 Basic 🟡 Basic ❌ No ✅ Yes
Username change limits ✅ Smart 🟡 14 days 🟡 Limited ❌ N/A ❌ N/A
2FA options ✅ OTP ✅ OTP/App 💰 Paid ❌ No ✅ Multiple

Where We Stand

┌─────────────────────────────────────────────────────────────┐
│                                                             │
│   NextGate Auth vs Industry                                 │
│                                                             │
│   Social Apps (Instagram, Twitter):     AHEAD ✅            │
│   Messaging Apps (WhatsApp, Telegram):  EQUAL 🟡            │
│   Banking/Fintech:                      EQUAL 🟡            │
│   Big Tech (Google, Apple):             BEHIND ❌           │
│                                                             │
│   For Social Commerce Platform:         EXCELLENT 🎯        │
│                                                             │
└─────────────────────────────────────────────────────────────┘

Our Advantages

Over Advantage
Instagram/Twitter Hardware-bound device keys, passwordless default
WhatsApp Multi-identifier login, risk scoring, age gates
Basic apps Challenge-response auth, impossible travel detection

Future Improvements (v2)

Feature Impact Effort
Passkeys/WebAuthn +0.5 rating Medium
Backup codes +0.2 rating Low
Breach monitoring +0.2 rating Low
ML anomaly detection +0.3 rating High

Rating: 8.5/10 ⭐

Verdict: Enterprise-grade auth for a social commerce platform. Better than most social apps, equal to fintech.


Version: 1.0
Status: Ready for implementation