[GregHolmes]

We do not verify any of your personal information. We neither have access to that nor store any of it on our system. Our PhoneCheck product simply returns a true or false. Is your phone number tied to this SIM Card. This is information the MNO already has, they know your phone number and your SIM Card. The request is made over a cellular data connection from your device to the MNO

[lxgr]

What's the difference between these three tiers of authentication, then? And what makes it different from SMS-OTP (leaving aside SS7 security concerns and focusing on SIM swapping, which I believe is responsible for the majority of successful attacks so far)?