Difference from 2FA
2FA uses exactly two factors (usually password + phone code).
MFA can use two or more factors. In high-security environments, three may be requested at once: password + phone code + fingerprint.
In practice, most systems say MFA but implement 2FA; the terms are used interchangeably.
Typical MFA combinations
Banking: Password + SMS code + (sometimes) phone confirmation.
Enterprise: Password + Authenticator + (for high-risk operations) hardware key.
Government: e-Signature card + PIN + (when needed) face recognition.
Adaptive MFA
Modern MFA systems are smart: requests from a known device or familiar location require only the password. New device, unusual location, or middle-of-the-night activity triggers an extra factor.
Onremo follows this approach — "don't ask for 2FA on this device for 30 days" is an option.