Login and access for apps: authentication and authorization
10
Glossary and sources
5 min read · Chapter 10 of 10
Words that mean something else here
| Term | What you'd assume | What it means here |
|---|---|---|
| SSO | A login feature | One company login for many apps; also the pricier plan that unlocks it |
| Token | A secret string | An ID token says who signed in, an access token what an app may call, a refresh token gets new ones; JWT is just a format |
| Scope | A permission | What the user let an app do; the app still checks what the user may do |
| MFA | Secure | Two factors of any kind, including SMS and push, which can be phished |
| Phishing-resistant | Hard to fool | Cryptographically tied to the real site (passkeys, security keys); codes and push don't qualify |
| Deactivate | Remove | Mark a user inactive; sessions, tokens and keys may live on |
| Monthly active user | One definition | Retained users at Clerk, any identity operation at Cognito, users across linked tenants at Entra |
| MCP authorization | Permissions inside a tool | OAuth between an AI client and a tool server; the tool's own permission checks are separate |
What surprised me
Placeholders in your voice, drafted from the research and the earlier guides. Rewrite each with your own moment.
"Login is the hard part." I thought passwords and MFA would be the work. The leaks in the research came from permission checks.
"Removing a user removes access." In the KYB guide, offboarding meant closing an account. Here a deactivated user can keep a valid token until the app chases it down.
"SSO is a feature." It's also a price tier and a chain of fees: the customer pays the app, the app pays its identity vendor per connection, and the vendors campaigning against the SSO tax charge it one level down.
"Stronger login stops takeovers." Passkeys close the phishing door, and the expensive cases went around it, through a help desk, a recovery email or a stolen session cookie.
Sources
Undated entries were read on October 12, 2026; "search result" means seen only as a search snippet or summary. Company figures are self-reported unless they come from a filing or a regulator, vendor surveys cover the vendor's own customers or respondents, and list prices change often.
Standards and specifications
- IETF: OAuth 2.1 draft (draft 16, Sep 2026); RFC 9700, OAuth security best current practice (Jan 2025); RFC 8693, token exchange; RFC 8628, device authorization; RFC 7009, token revocation; RFC 8725, JWT best practices; RFC 7644, SCIM protocol; Identity Assertion JWT Authorization Grant draft (May 2026)
- OpenID Foundation: OpenID Connect Core 1.0; Back-Channel Logout 1.0; AuthZEN Authorization API 1.0 approved (Jan 2026, search result)
- OASIS, SAML 2.0 technical overview; W3C, Web Authentication Level 3 (Aug 2026)
- Model Context Protocol: authorization specification (Jul 2026); enterprise-managed authorization (Jun 2026)
- Google, Zanzibar, USENIX ATC 2019 (search result)
Rules and regulators
- NIST: SP 800-63-4 final (Jul 2025); SP 800-63B-4
- CISA: Implementing phishing-resistant MFA (Oct 2022); Scattered Spider advisory AA23-320A (revised Jul 2025); Secure by Design pledge (search result)
- Cyber Safety Review Board, report on the summer 2023 Exchange Online intrusion (dated Mar 2024); DHS, release (Apr 2024)
- Federal Reserve, SR 21-14, FFIEC authentication guidance (Aug 2021); NYDFS, multifactor authentication guidance (Sep 2025, search result)
- ICO, 23andMe fined (Jun 2025); Irish DPC, Meta fined €251 million (Dec 2024)
- FTC, Ring order (May 2023, search result)
- European Banking Authority, question 2018_4042 on SCA elements (search result); William Fry, PSR and PSD3 agreed (Nov 2025, search result)
- Fierce Healthcare, HIPAA security rule pushed to July 2027 (search result); CFPB, Regulation E liability (search result)
- Platform mandates: Microsoft, Azure mandatory MFA phase 2; AWS, root-user MFA for all account types (Jun 2025); Google Cloud, mandatory MFA; Snowflake, MFA rollout; PyPI, 2FA enforced (Jan 2024)
Attacks, flaws and security research
- OWASP: Top 10:2025 introduction and A01 Broken Access Control; API Security Top 10, API1 (2023)
- Verizon: 2025 DBIR news release (Apr 2025); DBIR landing page; Help Net Security, 2026 DBIR findings (May 2026)
- Microsoft, Midnight Blizzard guidance (Jan 2024)
- Okta: support system root cause (Nov 2023); State of Secure Identity 2023 (Feb 2024, vendor); Secure Sign-in Trends 2025 (vendor)
- Mandiant, UNC5537 and Snowflake (Jun 2024)
- Cybersecurity Dive, device code phishing (Feb 2025, search result); Petri, passkey downgrade attack (Aug 2025, search result)
- The Hacker News: ruby-saml flaws (Mar 2025, search result); GitGuardian State of Secrets Sprawl 2026 (Mar 2026, search result, vendor)
- Security Affairs, Salesloft Drift OAuth token theft (Aug 2025, search result)
- AI app builder access-control cases: CVE-2025-48757 record (search result); Superblocks, write-up (search result); the company's April 2026 incident response (search result)
- Veracode, 2026 GenAI code security report (search result, vendor)
Passkeys
- FIDO Alliance: Passkey Index and launch (Oct 2025, members' data); World Passkey Day 2026 (May 2026); five billion passkeys
- Apple, WWDC25 session 279 (Jun 2025)
Companies, pricing and terms
- Okta: Q2 FY27 results (Aug 2026); FY26 10-K; Q2 FY26 commentary; pricing; master subscription agreement (Feb 2025)
- Auth0, pricing
- Clerk: pricing; pricing explained; standard terms (updated Oct 2026); enterprise SSO docs
- WorkOS: pricing; Series C (Mar 2026); build vs buy (vendor)
- Stytch, pricing; Twilio, 2025 10-K (Stytch price via search summaries); Descope, pricing; Frontegg, pricing
- Supabase: pricing; Orrick, Series F (Jun 2026)
- AWS: Cognito pricing; Verified Permissions pricing and price reduction (Jun 2025, search results)
- Microsoft: External ID pricing; Entra pricing
- Google: Firebase pricing; Identity Platform pricing (search result)
- SSO Wall of Shame
- IANS, 2026 security budget coverage (search result)
Deals and funding
- Lists: Start with Identity, acquisitions; Deepak Gupta, identity market map 2026
- Oso: CanTech Letter, Tiny completes acquisition of Oso Cloud (Oct 2026, search result); BetaKit (search result); Oso, OPA maintainers join Apple (Aug 2025)
- Open Policy Agent, note to the community (search result)
- SecurityWeek, CrowdStrike to buy SGNL (Jan 2026, search result); Tech Monitor, Palo Alto and CyberArk (search result); Business Wire, ServiceNow and Veza (search result); Vercel, acquires Better Auth (Jul 2026, search result)
- SiliconANGLE, AuthZed Series A (Jun 2024, search result) and Permit.io Series A (Feb 2024, search result); UKTN, Cerbos seed (Apr 2023, search result)
- CNCF: OpenFGA becomes incubating (Nov 2025, search result); Cedar (search result); Keycloak joins as incubating (Apr 2023, search result)
Incidents, settlements and filings
- MGM Resorts, 8-K (Oct 2023); Morgan and Morgan, MGM settlement approved (search result)
- HIPAA Journal, 23andMe class settlement
- Fox5 DC, AT&T settlement final approval (Oct 2026)
- TechTarget, Change Healthcare breached via Citrix portal with no MFA (May 2024, search result)
- Computing, M&S ends TCS contract (search result); Cybersecurity Dive, Clorox sues Cognizant (Jul 2025, search result)
- Reed Smith, Travelers v. ICS (Jul 2022, search result)
Reused from earlier guides on this site
- Snowflake, Storm-0558, machine-identity counts and cloud MFA mandates: Cloud security (CNAPP); MCP and token exchange for agents: AI agents: orchestration platforms; the EU digital identity wallet deadline: Identity and trust
Field Guides are learning notes, not legal or compliance advice. Rules and fees change; check the cited primary sources before you act on anything here.