Multifactor is an account management platform that enables users to share online account access through link-based sharing without exposing actual passwords. The platform provides a unified vault for storing passwords, passkeys, 2FA codes, and other authentication credentials across devices. The system implements instant access control that allows administrators to grant or revoke account access without requiring password resets. Users can configure fine-grained permissions to share specific account capabilities rather than full access, such as allowing read-only transaction viewing while restricting transfer capabilities. The platform includes detailed audit logging that tracks not only who accessed accounts but also what actions were performed, with digital signatures providing cryptographic proof of events. The architecture uses post-quantum encryption based on CRYSTALS Kyber and CRYSTALS Dilithium standards. Multifactor includes an AI assistant called Multi that can access stored accounts through natural language commands. The AI operates within a secure isolated cloud browser environment where credentials are not exposed to the AI or transmitted to third parties. Users maintain control through permission requests that require approval before the AI can perform new actions. The platform offers cross-platform availability and is structured as a Public Benefit Corporation with open-core source code. Individual and small group usage is provided at no cost, with enterprise plans available for organizations requiring advanced auditing, compliance features, and SSO integrations.