Effective PHP credential security can be tricky, but simpler is better than complex
Implementing a public/private HMAC hashing layer to your API helps authenticate and validate the request.
The Google Authenticator smartphone application makes two-factor auth simple, even without a connection.
Using the Duo Security API you can manage multiple users and integrations, all through a REST interface
Using the Authy REST API, you can quickly and easily integrate two-factor auth into your system.
A look at one of the "Top 10" from the OWASP largest vulnerabilities list
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