Multifactor is an advanced platform designed for account-sharing and access management that emphasizes a zero-trust approach, utilizes post-quantum cryptography, and features intricate permission settings. Instead of merely exchanging credentials, users can safely store their online accounts—including passwords, passkeys, and 2FA codes—in a secure vault, allowing them to send controlled links to authorize access for both people and AI agents. The ability to revoke access immediately ensures that the underlying credentials remain concealed, enhancing security. Users can set specific permissions, such as allowing someone to "read transactions" without permitting them to "initiate transfers," while also generating comprehensive, non-repudiable audit trails for every action taken. Moreover, the platform incorporates robust encryption and a post-quantum security framework to guarantee that only authorized individuals ever access sensitive information. Additionally, it can function as a comprehensive identity and access management solution, providing support for various authentication methods, including biometrics and hardware tokens, as well as facilitating authorization, access auditing, enforcement of device and network endpoints, and secure sharing of accounts and resources. This multifaceted approach not only simplifies access management but also enhances overall cybersecurity measures.