AuthLN Pay Factor Authentication (PFA) White Paper

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Identity systems were designed under the assumption that authentication attempts are scarce, human-driven, and constrained by effort.

That assumption no longer holds.

Automated attack infrastructure and AI agents can now generate authentication attempts at machine speed with near-zero marginal cost. Credential stuffing, MFA fatigue campaigns, and authorization probing can occur indefinitely without meaningful economic constraint.

Modern identity security remains largely reactive — detect suspicious activity, alert security teams, and block attackers after attempts reach protected systems.

Pay Factor Authentication™ introduces a different model: economic commitment before authentication attempts occur.

AuthLN combines:

  • FIDO2 passkeys

  • Proof-of-Work-based smart contracts

  • Post-quantum cryptography

  • Advanced identity telemetry