Comparison
not just another 2FA method, but a fundamentally new security layer
that outperforms competition in both security and reliability
that outperforms competition in both security and reliability
Authentication Methods
| CRITERIA | PUSH AUTHENTICATION | RCS | SMS | AXIOS LOGIC SMS OTP | |
|---|---|---|---|---|---|
| Channel | Mobile app + Internet | WhatsApp app + Internet | RCS-compatible messaging app | Standard SMS | Standard SMS |
| End-To-End Encryption | App dependent (optional) | Yes (between devices) | Yes (but device / vendor dependent) | No | Yes – AES-256 E2E between sender and device |
| Ownership Confirmation | Device ownership assumed | Tied to a WhatsApp account | Tied to a Google/Android device | Tied to SIM (can be spoofed) | Tied to SIM + hardware key on device |
| Coverage | Limited by app presence + internet | The app must be installed | Not globally supported | Global (any GSM network) | Global (any GSM network) |
| Second Channel Usage | No (push only) | No | No | No | Yes - extended with token verification via bank API |
| Device Level Protection | Dependent on OS security | Moderate | Low / Moderate | None | Yes - bank-side key used to decrypt |
| App Dependency | Yes | Yes | Yes (RCS apps) | No | Yes – app with Axios SDK |
| Internet Required | Yes | Yes | Yes | No | No |
| Fraud Risk (SIM swaps, MITM) | Medium (session hijack) | High (account takeover) | High | Very high | Low - SIM swaps are ineffective |
| Interoperability | Low | Low | Fragmented | Universal | Universal |
| Data Retention Risk | Depends on app provider | WhatsApp stores metadata | Dependent on the vendor | High (logins, SMS content) | None (stateless, no data stored) |
| Regulatory Compliance | Requires an audit per app | Not always compliant | Unclear | Weak (deprecated in some sectors) | Designed for PSD2 / GDPR alignment |
| Custom Development Options | Rare (cloud-based) | None | None | None | Yes – cloud or on-prem |
| Integration Complexity | Medium/High | High | High | Low | Low (API + SDK) |
| User Experience | Good (frictionless) | Great | Varied | Basic (input code manually) | Seamless (native SMS, decrypted automatically) |