⚫Further Reading

TOTP: Time-Based One-Time Password Algorithm https://www.ietf.org/rfc/rfc6238.txt

What’s the Difference Between OTP, TOTP and HOTP https://www.onelogin.com/learn/otp-totp-hotp

Symmetric key encryption:

https://www.cryptomathic.com/news-events/blog/symmetric-key-encryption-why-where-and-how-its-used-in-banking

A special thanks to oceans404 for their OTP Wallet repository