Most p2p apps or services provide safety and privacy features such as verification of payment amount before payment is sent, a user pin, and _____.

Question: Most p2p apps or services provide safety and privacy features such as verification of payment amount before payment is sent, a user pin, and _____.

Most p2p apps or services provide safety and privacy features such as verification of payment amount before payment is sent, a user pin, and onetime password (OTP). 

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