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Per RFC (for HOTP, which is just TOTP w/o the time element)...

"The HOTP value must be at least a 6-digit value. It is also desirable that the HOTP value be 'numeric only' so that it can be easily entered on restricted devices such as phones."

6 was defaulted to in the TOTP for being 'secure enough' and easy enough for most people to remember.



Exactly, it’s a pragmatic choice.

There are scenarios where that doesn’t provide sufficient assurance, but those scenarios are also not really suited for TOTP in the first place!




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