Vendors have stepped up to supply FIDO hardware and software to those who don't want to do the work themselves. For example Nok Nok Labs sells FIDO clients and servers that are used by PayPal as well as Alipay, and Yubico sells FIDO dongles.
At $50 or less, the dongles are less expensive than security tokens costing hundreds of dollars that generate new authentication codes at set intervals and are synched with authentication servers. The dongles may not be as secure, but they are more secure than simple username and password.
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