MultiCurrencyWallet - different security level
I would add different security levels
Level I - only login neccessary for transactions with a daily limit of 100€
Level II - 2FA or OTP neccessary for transactions with a daily limit of 1000€
Level III - 2FA and OTP neccessary for transactions without a daily limit
the user can set the security level als explicit or dynamic
explicit means that if the account has security Level III then ALL transactions must fulful this security level
dynamic means that if the account has security Level III and do small transactions inside the limits of lower security levels then only smaller security Level must fulfil. For example the user want send 2x 50€ in a day then he don't need a 2FA or OTP. If he want to send for example 200€ then he need 2FA or OTP.