full-stack-fastapi-postgresql VS smart-id-documentation

On the other end, I integrated TOTP into the auth workflow for a full stack FastAPI base project generator (https://github.com/whythawk/full-stack-fastapi-postgresql).

TOTP is great, but developers need to start adding it to their apps by default.

> If there is a move in this area, I predict it will come from something like EU regulations on interoperability (we already have rules on Open Banking to some extent) - something to bear in mind next time the EU's approach to regulation is criticised as "anti-tech".

This would actually be really cool! Over here in the Baltics most banks expect you to use SmartID, which admittedly is fine and has some source up on GitHub, even some nice documentation: https://github.com/SK-EID/smart-id-documentation

But more implementations and support for less vendor lock-in is nice, except that in the case of confirming bank authentication/transactions, there's probably a rather serious matter of trust and security at play. That said, if there was a large community effort, I'm sure that the end result would still be good for creating something like that.