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Authenticator Assurance Level (AAL)

NIST 800-63B levels describing authentication strength. AAL1: single factor. AAL2: multi-factor. AAL3: multi-factor with phishing-resistant cryptographic authenticator (FIDO2, smartcards). Higher AAL is mandatory for higher-impact systems.

Assurance levels matter because they let a policy say "this action requires AAL2" instead of naming a specific product, which survives vendor changes. The practical jump is AAL2 to AAL3: push notifications and one-time codes satisfy AAL2 but are relayed by attacker-in-the-middle kits every day, while AAL3 requires a cryptographic authenticator bound to the origin. US federal systems and a growing set of regulated industries map controls directly to these levels.

See also: NIST 800-63, phishing-resistant MFA, WebAuthn and FIDO2, IAL

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