3FA—three-factor authentication—is the gold standard of digital security. Instead of relying on a single password or even two credentials, 3FA requires three distinct layers of proof before anyone can access your wallet or approve a transaction:

• Something you have — the Arculus Card
• Something you know — your PIN
• Something you are — your fingerprint or face

This triple-layer defense doesn't just raise the bar for attackers—it makes unauthorized access nearly impossible.