SMS Key
can be lost if:
the SIM card is lost in a context where the phone number cannot then be recovered. (There are potential exceptions: see SMS Providers)
the security answer is irrecoverably forgotten
all SMS providers terminate all provider accounts servicing Obi accounts
Non-duress attacks include:
SIM swap attacks
physical theft of the device in an unlocked state or with insecure settings (e.g. message notifications display text even when locked)
an SMS provider is compromised
Both attacks are mitigated by the security answer, especially in combination with Security Notifications.
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