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Security2 April 2026·3 min read

Passkeys stop phishing. Your MFA fallbacks undo it.

Almost every incident worth writing about starts with something that was working exactly as designed.

Paycux engineering

Almost every incident worth writing about starts with something that was working exactly as designed. The design was just describing a different world than the one the system ended up in.

This piece walks through how we think about it at Paycux, what we have changed our minds about, and where the sharp edges are.

How traditional MFA fails

Consider how traditional mfa fails. Blast radius is the metric that actually matters. A credential that can read one organization's data is an incident; the same credential scoped to every organization is a company-ending event, and the difference is a design decision made months earlier.

Blast radius is the metric that actually matters. A credential that can read one organization's data is an incident; the same credential scoped to every organization is a company-ending event, and the difference is a design decision made months earlier.

How FIDO2 and passkeys actually work

How FIDO2 and passkeys actually work is where this gets concrete. Blast radius is the metric that actually matters. A credential that can read one organization's data is an incident; the same credential scoped to every organization is a company-ending event, and the difference is a design decision made months earlier.

Detection beats prevention when prevention is uncertain. If you cannot stop a class of abuse outright, make sure it produces a signal loud enough that someone sees it the same day.

  • Scope credentials to the smallest useful blast radius
  • Alert on the abuse you cannot prevent
  • Exercise the rotation path before you need it
  • Log the decision, not just the outcome

The fallback problem

That brings us to the fallback problem. Detection beats prevention when prevention is uncertain. If you cannot stop a class of abuse outright, make sure it produces a signal loud enough that someone sees it the same day.

Detection beats prevention when prevention is uncertain. If you cannot stop a class of abuse outright, make sure it produces a signal loud enough that someone sees it the same day.

The QR code fallback vulnerability

Consider the qr code fallback vulnerability. Blast radius is the metric that actually matters. A credential that can read one organization's data is an incident; the same credential scoped to every organization is a company-ending event, and the difference is a design decision made months earlier.

Blast radius is the metric that actually matters. A credential that can read one organization's data is an incident; the same credential scoped to every organization is a company-ending event, and the difference is a design decision made months earlier.

Detection beats prevention when prevention is uncertain.

Passkeys protect only the authentication layer

Consider passkeys protect only the authentication layer. Rotate on a schedule, not on an incident. A rotation path that has been exercised is a routine change; one that has never been used is an outage waiting for the worst possible moment.

Blast radius is the metric that actually matters. A credential that can read one organization's data is an incident; the same credential scoped to every organization is a company-ending event, and the difference is a design decision made months earlier.

What developers should do

That brings us to what developers should do. Rotate on a schedule, not on an incident. A rotation path that has been exercised is a routine change; one that has never been used is an outage waiting for the worst possible moment.

Rotate on a schedule, not on an incident. A rotation path that has been exercised is a routine change; one that has never been used is an outage waiting for the worst possible moment.

What security teams should do

What security teams should do is where this gets concrete. Blast radius is the metric that actually matters. A credential that can read one organization's data is an incident; the same credential scoped to every organization is a company-ending event, and the difference is a design decision made months earlier.

Detection beats prevention when prevention is uncertain. If you cannot stop a class of abuse outright, make sure it produces a signal loud enough that someone sees it the same day.

Where this leaves us

If there is one thing worth taking away, it is that the expensive decisions are the ones made implicitly. Making them on purpose costs an afternoon.

If you are working through the same problem and want to compare notes, the docs cover the mechanics and the console shows the behaviour on your own data.

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