Overview Use Twilio Verify to manage the full OTP lifecycle: code generation, delivery, expiry, rate limiting, and Fraud Guard protection. Use the Programmable Messaging API to build your own OTP message infrastructure and access features such as SMS Pumping Protection. | | Twilio Verify | Programmable Messaging API | |---|---|---| | Code generation + expiry | Built-in (10min default, configurable). Also supports custom codes. | Build yourself | | Rate limiting | Built-in (per-phone, per-service) | Build yourself | | Fraud protection | Fraud Guard (geo-permissions, rate anomaly) | SMS Pumping…