For services that support fido2 keys, Yes 100% it replaces TOTP apps. Most services do not support fido2 keys. Just services that are very security conscience. Google, Microsoft, GitHub, cloudflare, AWS, azure, anything with a high technical risk surface will support fido2 keys.
For services that support fido2 keys, Yes 100% it replaces TOTP apps. Most services do not support fido2 keys. Just services that are very security conscience. Google, Microsoft, GitHub, cloudflare, AWS, azure, anything with a high technical risk surface will support fido2 keys.
And amazingly, minimal to none online banking support