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> a PIN is pretty much a password in my book.

My definition of a PIN is a password that can safely be short (i.e. low entropy), which means you can only use it against a system capable of enforcing a rate limit.

That can be local trusted hardware (such as a secure enclave, a Yubikey etc.) or a remote backend via something like SRP.

> If the passkey requires a PIN, I don't bother. I just can't be bothered to remember it.

Then use your password! A PIN can, but does not have to, be short :) FIDO-compliant authenticators have to accept up to 255 UTF-8 characters; you're by no means limited to a numeric 4-digit code.






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