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> Phones are required

Depends on how you define a phone. Cell phones are not required but SMS capable phone numbers kind of are.

I ported my cell phone number to a voip provider and get SMS and can even take calls from my desktop, or laptop, or simple voip capable DECT phones around my home as needed.



many services that require SMS 2FA outright won't work on VOIP providers


Not once have I been unable to sign up for something. Likely because I ported a number that once belonged to a real cell phone carrier.

Mandatory SMS 2FA is always a red flag on a product anyway as SMS is wildly insecure. FIDO2 or GTFO.




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