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AAL1
Single-factor authentication (e.g., password or SMS code alone)
Lower resistance to phishing or credential theft
AAL2
Multi-factor authentication (MFA) required
Stronger cryptographic protections
Includes OTP hardware tokens, app-based authenticators, or biometrics
AAL3
Highest assurance level intended for high-risk systems
Requires hardware-based cryptographic authenticators with proof-of-possession and
resistance to phishing/malware
Categories of Authenticators
Knowledge-Based (Something You Know)
Possession-Based (Something You Have)
Biometric (Something You Are)