> intercepted by any MITM Most things are... even SSH is Trust-on-First-Use. You can really only verify out of band. OTP is quite a bit better than CC or bank

> intercepted by any MITM Most things are... even SSH is Trust-on-First-Use. You can really only verify out of band. OTP is quite a bit better than CC or bank account numbers... assuming the OTP is only restricting use (and not giving access to view or modify other account information, etc)