Covr by Covr Security is a universal multifactor authentication app that combines three layers of authentication: the smartphone, a pin, and biometrics (fingerprint sensor or facial-recognition camera). Covr simplifies usage, protects from fraud, adds strong customer authentication (SCA), and ensures regulatory compliance. It is user-intuitive and built on the latest encryption technologies. The technology architecture is patent-pending and originates from Nordic bank security. Covr's authentication software as a service requires minimal infrastructure to scale for numerous users simultaneously. Covr is available as a native mobile app for quick roll-out and as a powerful SDK for seamless white-label integration into existing mobile applications. Covr does not require passwords or personal credentials, making it unique. Passwordless MFA uses facial recognition, 6-digit PINs, and fingerprint activation instead of passwords. Covr uses asymmetric (public-key) cryptography for data authenticity (non-repudiation). Out-of-Band technology minimizes access point exposure with the smartphone as a second authentication channel for two-way communication, making it difficult for fraudsters to ambush both channels at once. Covr provides multi-factor authentication-as-a-service to various industry partners, including eID providers, service providers, enterprise partners, mobile carriers, and other security technology providers.