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I hope paypal and transferwise follow this example. International travelers have been suffering for years due to this horrible ux.

SMS based 2FA is a farce, I look forward to it going extinct.



PayPal[1] and TransferWise[2] already support TOTP, am I missing something?

[1] https://www.paypal.com/us/smarthelp/article/faq4057

[2] https://transferwise.com/help/12/managing-your-profile/29321...


Both require that you have sms based 2fa first. I have had this conversation with both of their support departments and its a non starter.




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