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As long as you don't need master key escrow to essentially be with the vendor (ex google / apple), you can have the master key backed up elsewhere so you can pass the mud puddle test [0], and the vendor has no way to access the master key, I'm ok.

But push google / apple about solving mud puddle problems and it's curiously missing from their wallet implementations and they stutter around it when they give talks about FIDO2 and such and people ask them. It's the lock in direction they see everyone going towards that makes people uncomfortable.

[0] https://blog.cryptographyengineering.com/2012/04/05/icloud-w...



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