[franga2000]

I don't know about Namecheap, but I'd suspect the banks use proprietary solutions for the standard 2 reasons: 1) Something expensive feels more secure. The 50yo farts in suits are the ones making the decisions, not the devs who actually know why open standards are inherently more secure. 2) They have someone to blame when something goes wrong. If they implement TOTP insecurely and data gets stolen, they're on the hook. If RSA (or whoever else) screws up, the bank can point their finger at them since their programmers are usually the ones who do the integration.