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Depends what you need.

From just the headline I thought the question was slightly different however: JWT with requires time, UA, IP and some decay of variance of these customisable via an integer value from 0 to 100. Let the user choose?

LOL.

No device fingerprinting via JS or any 3rd party as I believe in users' liberty.

So, how the user gets the above JWT:

Is any authentication needed?

Is they want to opt in, how's a trip code?

An account name recoverable via email. Or secret. Or SMS. Or remembering last account action? Or a combination?

For a sensitive action, what's the tradeoff between verification and convenience? Against what sort of actor?

SMS is exclusionary. Which works if you want to exclude non US/EU phone dependent users and target those that care little about security or privacy.



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