Systems and methods for multi-factor authentication

A system comprising memory and one or more processors communicatively coupled to the memory, the one or more processors configured to:

• receive a user transaction request;
• generate an authentication request data object in response to the user transaction request, wherein the authentication request data object comprises an authentication code and a link;
• deliver the authentication request data object, including the authentication code and the link, to a pre-registered contact identifier associated with a decentralized identity;
• receive a response data object from a user selecting the link, wherein the response data object is associated with the decentralized identity and the authentication code;
• validate a user authentication based on the received response data object;
• and
• authorize a transaction associated with the user transaction request upon successful validation of the user authentication.

One or more non-transitory computer-readable storage media including instructions that, when executed by one or more processors, cause the one or more processors to:

• receive a user transaction request;
• generate an authentication request data object in response to the user transaction request, wherein the authentication request data object comprises an authentication code and a link;
• deliver the authentication request data object, including the authentication code and the link, to a pre-registered contact identifier associated with a decentralized identity;
• receive a response data object from a user selecting the link, wherein the response data object is associated with the decentralized identity and the authentication code;
• validate a user authentication based on the received response data object;
• and
• authorize a transaction associated with the user transaction request upon successful validation of the user authentication.