FIDO2 features are great

Using at apple, github etc..

attack surface become smaller

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Ok, you seem to know about these. I don't understand how scanning something into an additional cloud keychain is more secure than standard Authenticator apps, but don't expect you to explain that.

What I am curious about is if in any way sneaks in additional kyc of some sort. Fingerprint seems like obvious yes, and less clear on option 2 (cloud keychain).

Passkeys are physical keys on online services. It’s not enough secure if stored on cloud.

There’s no additional KYC, but they are trying to shift the responsibility to the customer.

Cuz if keys are valid, they can blame and nothing to do with their fault.

Ah ok, kinda makes sense. Thanks!