Dynamic transaction card protected by multi-factor authentication

A system comprising:

• a transaction card operable to perform Europay-Visa-Mastercard (EMV) transactions and associated with an account of a user;
• and
• a computing device comprising:
• one or more antennas;
• one or more device processors;
• a non-transitory device memory in communication with the one or more device processors and storing instructions that, when executed, cause the one or more device processors to perform the steps of:
• establishing, via the one or more antennas, a first connection via near-field communication (NFC) between the computing device and the transaction card, the computing device associated with the user;
• transmitting, from an application operating on the computing device and to the transaction card via the first connection, a request for authentication information, the request associated with the account and used to verify an identity of the user;
• receiving, from the transaction card via the first connection, a first response to the request comprising the authentication information;
• authenticating the identity of the user using the authentication information;
• and
• responsive to authenticating the identity of the user, allowing, via the computing device, the user to access one or more account actions requiring authentication in the application.