BIO-key PortalGuard Multi-Factor Authentication (MFA) is an Identity and Access Management (IAM) platform that consolidates multiple authentication methods under a single management interface. The platform supports a wide range of authentication methods including: - Security questions (challenge/answer) - SMS-based One-Time Passcodes (OTP) - Email-based OTP - Mobile authenticator apps (TOTP) - Push notifications (out-of-band approval) - FIDO2/WebAuthn hardware tokens (passwordless) - WEB-key biometrics via Identity-Bound Biometrics (IBB), which stores biometric data centrally in a non-reversible format PortalGuard supports adaptive authentication, which evaluates contextual parameters such as location, device, network, application, and time of day to dynamically adjust the required authentication method. It also supports fully passwordless authentication flows. The platform is designed for both browser-based and desktop login scenarios, supporting hybrid environments. Use cases include securing remote workforce access, customer IAM (CIAM), self-service password reset, self-registration, single sign-on, and fulfillment of cyber insurance MFA requirements. PortalGuard includes a companion mobile app called BIO-key MobileAuth for push notification and biometric authentication. The solution is targeted at enterprises seeking to reduce the complexity and cost of managing disparate authentication tools by centralizing policy management for both on-premises and remote users.