TL;DR
Storing passwords directly on a phone is risky. Use the device’s secure storage (Keychain on iOS, KeyStore on Android) to store an encrypted token instead of usernames and passwords. Implement multi-factor authentication for extra security.
1. Why Not Store Passwords Directly?
Phone devices are vulnerable to:
- Malware: Viruses can steal data directly from the phone’s storage.
- Physical Theft: Someone could access the device and its contents.
- Data Breaches: Although less common, apps themselves can be compromised.
Storing passwords in plain text or even weakly encrypted formats is a major security risk.
2. Using Secure Storage (Keychain/KeyStore)
Both iOS and Android provide secure storage mechanisms:
- iOS Keychain: A highly secure system for storing small pieces of data like passwords, certificates, and API keys.
- Android KeyStore: Similar to Keychain, it provides a hardware-backed security module (if available) for cryptographic key storage.
Instead of saving usernames and passwords directly, store an encrypted token.
3. Token Generation & Encryption
- User Registration/Login: When a user registers or logs in, verify their credentials against your server-side database.
- Generate a Token: If authentication is successful, generate a unique token (e.g., using UUIDs). This token should have an expiry time.
- Encrypt the Token: Use a strong encryption algorithm (AES) with a key derived from the user’s password or biometric data (if available). Never store the encryption key directly in your app code! The Keychain/KeyStore will manage this for you.
- Store Encrypted Token: Save the encrypted token to the device’s secure storage.
Example (Conceptual – specific implementation varies by platform):
// Pseudo-code - Encryption example
4. Authentication Flow
- App Launch: Check if an encrypted token exists in secure storage.
- Decrypt Token: If a token is found, attempt to decrypt it using the Keychain/KeyStore.
- Token Validation: Send the decrypted token to your server for validation. The server should:
- Check if the token exists in its database.
- Verify that the token hasn’t expired.
- Ensure the token hasn’t been revoked (e.g., user logged out on another device).
- Grant Access: If the server validates the token, grant access to the app. Otherwise, prompt the user for login credentials.
5. Multi-Factor Authentication (MFA)
Add an extra layer of security with MFA:
- SMS Verification: Send a code to the user’s phone number during login.
- Email Verification: Send a code to the user’s email address.
- Authenticator App (TOTP): Use apps like Google Authenticator or Authy.
- Biometric Authentication: Integrate fingerprint or facial recognition for unlocking the token and/or MFA.
MFA significantly reduces the risk of unauthorized access, even if a token is compromised.
6. Important Considerations
- Key Rotation: Regularly rotate encryption keys to minimize the impact of potential key compromises.
- Secure Communication (HTTPS): Always use HTTPS for all communication between your app and server.
- Token Expiration: Set reasonable token expiration times. Shorter expiry times are more secure but require more frequent re-authentication.
- Revocation: Implement a mechanism to revoke tokens when users log out or change their passwords.
- Regular Security Audits: Conduct regular security audits of your app and server infrastructure.

