swIDch mOTP is a mobile one-time password authentication solution that provides two-factor authentication capabilities without requiring physical security cards or tokens. The product is delivered as an SDK (swIDch Auth SDK) that enables developers to integrate mobile OTP functionality into their applications. The solution generates one-time passwords directly from mobile devices, eliminating the need for users to carry separate hardware tokens. Each OTP is used once and then expires, providing an additional authentication layer beyond traditional username and password combinations. The product includes PIN verification before OTP generation, using the PIN's encryption value as linkage information to enhance security. It also supports transaction OTP functionality, which links OTP generation to specific financial transaction details such as payee information, account numbers, and remittance amounts. This transaction-specific approach is designed to address memory hacking and man-in-the-middle attack scenarios. The solution is provided as a mobile application-based authentication method that organizations can implement for identity verification systems requiring stronger authentication mechanisms.