Oh, right, their closed source app. Thats allowed. So it requires a phone.
So the OTP is still transmitted to satisfy the requirements of PSD2. But TOTP (a more secure system that doesn't transmit the OTP at all) is not allowed.
I studied cryptography and I can't figure out how to do the dance right. I thought I did, but one of my contacts says they can't read any message I send them. And I can't message them to figure out why.
Some people don't like them because the fdroid app wasn't updated for years. I actually started migrating to Matrix because if this, but I really don't like that matrix sends a lot of data unencrypted.
Now that Wire is pushing updates to fdroid again, I don't see much valid criticism
Same for C and Rust tho?