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Microsoft is killing SMS codes for Microsoft account sign-in, aggressively pushes passkeys on Windows 11
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Google allows for them to be used for 2FA.
You can use them for the password also which I didn't know. You have to choose sign in another way to get the option.
That's after you already have a passkey. I don't think you can create a passkey without a different form of 2FA. At least...you shouldn't be able to, because that would kind of defeat the purpose.