Passkeys are built on the FIDO2 standard (CTAP2 + WebAuthn standards). They remove the shared secret, stop phishing at the source, and make credential-stuffing useless.
But adoption is still low, and interoperability between Apple, Google, and Microsoft isn’t seamless.
I broke down how passkeys work, their strengths, and what’s still missing
You just need to memorise the PIN at max. If your device has biometric recognition you could even use your face scan or fingerprint so even remembering a PIN is not needed in that case.