Passwords were a useful innovation when the internet was new and accessible to only a small fraction of the population. However, with more than half of internet traffic now generated by bots and billions of human users, passwords are outdated. Security gatekeepers responded by increasing password complexity requirements (minimum length, uppercase/lowercase, symbols, numbers). This made passwords difficult to remember, necessitating password managers – a potential security risk if the manager is hacked. Two-factor or multi-factor authentication was introduced, but this progressively degrades user experience with constant authentication for basic services. Recent systems like passkeys centralize control with large players, leaving users vulnerable if locked out. Even worse, using email addresses as usernames weakens security, as half the login is already known. This simplifies the work of hackers. We have solved the frictions and inefficiencies of usernames, passwords, and Two-Factor Authentication (2FA) by introducing the [[Identification Line]] and [[Transaction Line]].