Multifactor vs Lumey

Goodbye, Password Managers. Hello, True Account Control. Traditional password managers are for storing passwords. Multifactor is for securely sharing and controlling your accounts. In today's world, sharing is broken. With passkeys, biometrics, and 2FA, our accounts are more secure but harder than ever to share with family, teammates, or assistants. You’re left with the insecure choice: send a password over text, or don't share at all. Multifactor fixes this. We turn any online account into a secure “checkpoint link,” making account sharing as easy as sharing a Google Doc, but safer than any alternative. Share Access, Not Secrets: You never have to send a password over text again. Multifactor lets you grant specific, revocable permissions to anyone you trust. Granular Controls: This is real control. Give your assistant access to your email but not the ability to change settings. Let your accountant view your brokerage account but not make trades. Instantly Revoke: Project over? Roommate moved out? Revoke access with a single click. No more changing passwords, logging everyone out, and wondering who still has access. Your Accounts on Autopilot: Multifactor is built from the ground up for the future: AI agents. Sharing accounts with non-human actors is a new challenge that no one has solved—until now. Coming Soon: Multi, our AI assistant that can securely use your accounts for you. Imagine telling your phone: "Multi, pay my credit card bill." "Multi, find all my flight receipts from last quarter." Multi will log in and perform these tasks in a secure, isolated browser. Your credentials are never exposed, not even to the AI. Use it Everywhere: - Share email and calendar access with a rotating team of personal assistants without worrying about unauthorized edits. - Allow a financial advisor to manage clients’ brokerage accounts without ever needing their passwords. - Share Instacart and Netflix accounts with roommates, with the power to easily add and remove people. - ...and whatever else you can dream up. Built by Trusted Experts: Security is our DNA. Our founding team includes a Ph.D. computer scientist and former CIA officer, and a Ph.D. mathematician and former NASA scientist. We built Multifactor because we believe you deserve to be in complete control of your digital identity. Free Forever. The version of Multifactor you’re using today—for secure sharing with humans—will always be free. An enterprise plan and developer APIs are coming, but our core promise to you remains. Download Multifactor and take back control of your accounts.

Lumey runs LLMs entirely on your iPhone. No servers. No logs. No telemetry. Chats, voice notes, and documents you import never leave the device. Pick from open-weight and proprietary models, side by side. A quick reasoner for everyday questions, a heavier model for code or long-form work; simply switch between them in a tap. Every model runs locally on Apple Silicon. Bring your own knowledge. Attach PDFs, plain text, or markdown directly to a chat. Lumey chunks and embeds the content on-device, so retrieval happens locally. Install curated knowledge packs for specific domains, or mention them mid-chat to scope a single reply. Organise your data into multiple vaults. Keep work and personal context separate. Turn on Travel Mode and every vault locks behind Face ID the moment the app backgrounds. WHAT'S INSIDE • Open-weight and proprietary LLMs running locally on Apple Silicon • Curated knowledge packs that plug into on-device retrieval • Manage multiple vaults to compartmentalize chats, documents, and voice notes • Voice notes transcribed entirely on-device • Travel Mode: biometric lock on backgrounding and vault hiding LUMEY PRO Unlock every model and every knowledge pack with a monthly or yearly subscription. The free tier includes the proprietary system model and some starter packs, enough to use Lumey as a private daily assistant without paying. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/