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OTP, SMS, and Authenticator Apps

When cryptographic intent is signed directly, time-based codes and shared secrets become unnecessary.


Legacy OTP Model vs PTERI​

CategoryTraditional ModelProblemsPTERI Replacement
Authentication MethodTime-based codes (TOTP/SMS OTP)Code replayExplicit cryptographic approval
Secret ModelShared seeds between server and deviceShared secrets can be extracted or duplicatedNo shared seeds
Telecom DependencySMS-based verificationSIM swap attacksNo telecom dependency
Session AuthorizationCode proves temporary accessDoes not prove specific intentSingle-use cryptographic challenges
User ExperienceManual code entryUX friction, added failure modesLocal biometric gating
Security ModelOne-time code validates loginCodes can be phished and reused within windowIntent is signed and bound to challenge

Core Principle​

"OTP becomes unnecessary when intent is signed."

When approval is cryptographic, explicit, and single-use, time-based codes add no security value.


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