Multifactor

About Multifactor

Multifactor is a password manager focused on secure account sharing with both people and AI agents. It converts accounts into shareable "checkpoint" links so recipients can access services without ever seeing underlying credentials, and supports one-click imports from common password stores.

Review

Multifactor takes a distinctive approach to credential sharing by placing a secure proxy and trusted execution environment between users and the services they share. The combination of link-based access, fine-grained controls, and client-side post-quantum encryption creates a practical alternative to handing out passwords or vault entries.

Key Features

• Share accounts via checkpoint links with options for one-time use, temporary validity, and revocation
• AI agent support so automated agents can be granted access without ever handling credentials directly
• Client-side, post-quantum encryption (CRYSTALS Kyber) and an MFKDF scheme for multi-factor encryption
• One-click import from LastPass, Apple, and Google password stores
• Fine-grained controls and programmatic access for teams and automation workflows

Pricing and Value

The product is listed as Free at launch. Its core value lies in enabling shared account access that can be revoked instantly and in limiting exposure of credentials, which is useful for shared household accounts, teams that rotate access, and services that want controlled AI-driven interactions.

Pros

• Allows secure sharing without revealing the underlying passwords or tokens
• Supports AI agents and automation while keeping credentials hidden from recipients
• Adopts post-quantum client-side encryption for stronger long-term protection
• Simplifies onboarding by importing from major password providers
• Offers temporary, expiring, and programmatic links for flexible access patterns

Cons

• As a newly released product, it has a limited operational history and may evolve rapidly
• Relying on a proxy/trusted execution layer requires users to place trust in the service provider and their infrastructure
• Enterprise integrations and broader platform connectors may be limited at first

Multifactor is well suited for small teams, service providers, and users who need to share account access without exposing credentials - and for those experimenting with secure AI agent workflows. Prospective users should evaluate the service in a controlled setting and consider organizational trust and uptime requirements before moving critical accounts into production use.

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