Minimum Requirement
1. Option 1: (for zero-installation and disconnected tokens): The minimum requirement of any token is at least an inherent unique identity in a protected memory that cannot be tampered with and preferably is not openly accessible to applications other than those offered by the token vendor or other trusted organizations.
2. Option 2: (for out-of-band tokens): The minimum requirement of this form of token is connectivity from another medium, like mobile network for USSD, SMS and voice. All you need is a registered telephone / mobile number.
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