At first, I thought you were talking about any FOSS alternative to this Pac-Man-like shooter: https://play.google.com/store/apps/details?id=com.jakyl.fmn&hl=en

::: Deltarune: Chapter 2 :::

Interesting, I didn't know that. So how do they derive the digits?

Do you think the SMS codes are not time-based on the companies' ends? How are they deriving the digits, then?

"Time-based One-Time Password" literally says nothing about the delivery method. Who said it can't involve remote sending?

And what would you call it, then, SOTP?

Anyway, regardless of the terminology-nitpicking, my point still stands.

I don’t love the idea of having an authenticator app installed on my phone

For anything? Why not? Surely you don't believe SMS-based TOTP is safer, right?

Hmm... true! And yes, there sure is: https://play.google.com/store/apps/details?id=net.waterfox.android.release

Zelle is the closest acceptable alternative to PayPal, Venmo, and Cash App.

Sorry, just saw this, and just checked; wow, it's gone from Firefox's add-ons! Strange... the original link was this, but it's broken now.

web storage

Google Drive?

It's strange that it doesn't have Waterfox. Anyway, that wasn't my point in the first place; first, Mozilla has to release its bug fixes, and then all these other browsers' devs have to release their own counterparts in response. It is during this window in time when they're most insecure, since the issues are then brought to light while users are helplessly waiting.

I was implying that it could be <10 years if there was no opposition to the new tech.