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SMS 2FA is not just insecure, it's also hostile to mountain people

blog.stillgreenmoss.net

81–90 of 328 posts

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#81
post #52

Earlier quoted context omitted.

It really is absurd that the same companies that won’t allow 2FA with any other method outside of SMS are the same ones not sending to VoIP. Maybe they all go through a service for SMS that blocks it, but it still upsets me. It’s insane to me that maybe every bank I use requires SMS 2FA, but random services I use support apps.

I absolutely cannot stand that no bank I have (US) supports generic TOTP, which is more secure and easier to recover from backup if my phone is broken or stolen. It's inexcusable.

This is probably compliance-related. For me, TOTP isn’t “something I have”, it’s another thing I toss into my password manager and sync to all devices.

I really agree with it, but that’s probably their rationale.

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#82
post #52
post #23

> other options available to her include > port her cellphone number to a VOIP provider that does support receiving SMS from shortcodes over wifi That's generally a great solution – unless the company she's dealing with is one of those that don't send SMS-OTP codes to VoIP numbers for seCuRiTy reasons, or demand that the number is somehow "registered in her name" (which many smaller carriers apparently don't do). I r…

It really is absurd that the same companies that won’t allow 2FA with any other method outside of SMS are the same ones not sending to VoIP. Maybe they all go through a service for SMS that blocks it, but it still upsets me. It’s insane to me that maybe every bank I use requires SMS 2FA, but random services I use support apps.

I've been using Citi and Discover for years with a Google Voice number. Possibly I've been grandfathered in though?

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#83

Earlier quoted context omitted.

Until recently, Google Authenticator codes could not be backed up or transferred to a new phone. When I replaced my Android device, I had to re-register every TOTP code that I had in Google Authenticator. This led me to Authy, and later on to Yubikey since the code is removed from my phone completely.

I'm pretty sure you could always manually export a QR code for every one of your secret keys.

This was around 2016 and that was not an option at the time.

edit: the app used to be open source: https://github.com/google/google-authenticator-android/

"By design, there are no account backups in any of the apps."

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#84
post #76

Earlier quoted context omitted.

Anything else could be lost. I can always get new SIM card for this number. I don't need to backup it and I can't accidentally delete it. That's the biggest reason for me to link phone number everywhere. I'd hate to lose access to my GitHub account.

It's also not very hard for scammers to get a SIM card for your number, unless you're using a carrier that specializes in not allowing SIM swapping attacks.

I dislike SMS 2FA and services that use my phone number as a stable identifier, however SIM swapping is not really a thing in most countries.

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#85
post #52

Earlier quoted context omitted.

It really is absurd that the same companies that won’t allow 2FA with any other method outside of SMS are the same ones not sending to VoIP. Maybe they all go through a service for SMS that blocks it, but it still upsets me. It’s insane to me that maybe every bank I use requires SMS 2FA, but random services I use support apps.

I've been using Citi and Discover for years with a Google Voice number. Possibly I've been grandfathered in though?

Execs at those companies probably think "Google = good".

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#86
Trying removing consent to receive text messages on that number, or that it's only a land line and only phone calls are accepted.

You might even try to block incoming SMS. In fact, you might also try a forward with Twilio or free Google voice number, since a lot of SMS TOTP refuse to with with those numbers :)

I've even had success removing my phone number entirely from certain types of accounts, but sometimes I had to deliberately break the account (eBay) and then it tries to get you to confirm on each login which you can sometimes bypass by changing the URL or clicking the company logo.

Be sure to have strong security in other ways; strong, non repeated passwords.

But this is truly insane. Large banks don't even offer the option of TOTP but instead require far more insecure SMS. Maybe they'll offer RSA dongles, because they never bothered to remember when they all got completely leaked ten years ago or how they accepted $10M to completely compromise their constants.

What can you say, large enterprises are behind the security eight ball, as always! It's a tale as old as time.

https://www.wired.com/story/the-full-story-of-the-stunning-r...

https://www.theverge.com/2013/12/20/5231006/nsa-paid-10-mill...

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#87

TOTP are okay for some things but often regulation means each code/challenge needs to be tied to a specific action. TOTP codes typically last for 30s and mulitple actions can happen within 30s, so it's not possible to use TOTP in many cases. PUSH approval could be used instead but then you need to download an app for every service you use, which isn't very convenient. PASSKEYS offer a solution which will work on both…

My personal 2FA favorite is OTP + authenticator app. It behaves predictably and doesn’t have weird failure conditions. SMS 2FA tied to your mobile number sucks if it doesn’t support Google Voice, especially when traveling internationally and your SIM card isn’t in your phone. Email 2FA usually works, but I just find it annoying. App-specific push notifications mostly work, but it’s hard to debug if you don’t get the…

TOTP isn't phishing-resistant, which is the whole ballgame. I've had the job of working on authentication for highly-targeted mass-market systems, and code-generators basically don't work: they raise the bar on phishing attacks to a level phishers still easily meet.

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#88
post #23

> other options available to her include > port her cellphone number to a VOIP provider that does support receiving SMS from shortcodes over wifi That's generally a great solution – unless the company she's dealing with is one of those that don't send SMS-OTP codes to VoIP numbers for seCuRiTy reasons, or demand that the number is somehow "registered in her name" (which many smaller carriers apparently don't do). I r…

Phone numbers are used like this because in the Year of our Lord 2025, they’re the best way to semi-solve the Sybil problem even somewhat without having to literally do some kind of KYC

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#89

She just needs a microcell/femtocell. Talk to your provider, explain to them you get poor service at your home or place of work, and they'll send you a free Internet-in cellular-out radio AP. She doesn't need a tower-based booster if she's got fiber/cable/DSL, those only serve to amplify weak signals and she's too many miles and too many mountain ridges away from the nearest tower, she wants something with RJ-45 inpu…

I'm surprised the major cell providers are cool with letting randos operate cell towers that back into an unknown untrusted ISP and their customers will automatically switch to when in range. It's unbelievably chill for companies that are usually so concerned about their image and controlling the whole experience end to end.

Re: SMS 2FA is not just insecure, it's also hostile to mountain people

#90

Earlier quoted context omitted.

the article is about a retired woman who lives twenty minutes from Asheville, NC. The terrain is rugged there, but it is not an "eccentric lifestyle" It is extremely typical, however, to see the most basic needs of Appalachian people ignored on the grounds of their perceived choice of lifestyle just this weekend I endured yet another incest joke.. I bet you have one of those ready too

There's plenty of locations with houses in Montana that have no cell service too.

the article isn't about them. Montana by and large is a lot less dense than Asheville NC, which is a small city surrounded by normal towns. Asheville would only seem eccentric if normal is San Francisco.
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