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Since the introduction of bcrypt in 1999, adaptive password hashing functions, whereby brute-force resistance increases symmetrically with computational difficulty for legitimate users, have been our most powerful post-breach countermeasure against credential disclosure. Unfortunately, the relatively low tolerance of users to added latency places an upper bound on the deployment of this technique in most applications. In this paper, we present a multi-factor credential hashing function (MFCHF) t

The Next-Generation Multi-Factor Key Derivation Function (MFKDF2) is a function that takes multiple inputs and outputs a string of bytes that can be used as a cryptographic key. It serves the same purpose as a password-based key derivation function (PBKDF), but is stronger than password-based key derivation due to its support for multiple authentication factors, including HOTP, TOTP, and hardware tokens like YubiKey. MFKDF also enables self-service account recovery via K-of-N (secret-sharing sty

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