Passwords have been well documented to be one of the worst solutions as they can either be programmatically solved or can be found in darknet databases from data leaks from other digital services. A recent dark web audit revealed 15 Billion stolen credentials from 100,000 breaches 1 .SMS OTPs can be stolen with malware or other malicious Man in the Middle attacks, while captchas fail to stop sophisticated BOTs from attempting account take over 2 . Solutions that involve biometric authentication tend not to be 100% accurate but can also be updated remotely leaving legitimate users locked out of their account. While SSO solutions from Facebook and Google provide ease of use for the users, they still use passwords which can be easily hacked or allow hackers to create large volumes of fake accounts that can be coordinated to perform large scale fraud.