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Maclear / Account & Security / Account Settings & Security / Why 2FA is the most important security setting on Maclear: what it protects against

Why 2FA is the most important security setting on Maclear: what it protects against

08/03/2026

4 min

Two-Factor Authentication (2FA) is an optional but strongly recommended security measure on Maclear. It adds a second verification step on top of your password — even if your credentials are compromised, an attacker cannot log in without the one-time code only you can generate or receive. According to the Microsoft Digital Defense Report 2025, phishing-resistant MFA blocks over 99% of identity-based attacks.

A password alone is not enough to protect a financial account. Passwords can be leaked, stolen, or compromised through phishing — and once an attacker has your credentials, they can log in without your knowledge. According to the Microsoft Digital Defense Report 2025, phishing-resistant MFA blocks over 99% of identity-based attacks — even when attackers already have a valid username and password. This makes 2FA the single most effective account protection measure available.

What happens if I do not set up 2FA on Maclear?

2FA is optional on Maclear — you can use the platform without it. However, accounts without 2FA are significantly more vulnerable to unauthorized access. If your password is compromised, there is no second layer of protection. Enabling 2FA is strongly recommended for all investors.

Which 2FA methods does Maclear support?

Maclear supports two methods: authenticator app and email verification. Only one method can be active at a time. For setup instructions, see Article 21.

Why is an authenticator app more secure than email 2FA?

An authenticator app generates time-based one-time passwords (TOTP) locally on your device — they are never transmitted over the internet and cannot be intercepted. Email-based codes travel through email servers and are vulnerable if your email account is compromised. For maximum security, Maclear recommends setting up 2FA via authenticator app.

Regulatory disclosure: Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.


See also: How to enable 2FA on Maclear: step-by-step setup guide · How to restore access to Maclear if you lost your 2FA code

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