As a developer, implementing Two-Factor Authentication (2FA) is no longer a luxury—it’s a standard. But the "best" method isn't always the most secure one; it’s the one your users will actually use. Here is how to weigh SMS-based OTP against Time-based One-Time Passwords (TOTP). 1. SMS-based OTP: The Low-Friction Entry SMS sends a numeric code to a user’s phone via the cellular network. When to use it: Onboarding & Identity Verification: If your app is phone-number centric (l