I'm heading toward "lite accounts" for v4v. What that means is not needing a full Hive account to receive, store and send sats until you want a Hive account (which will cost around $1.50 at the current price).
That's why I'm implementing passkeys: I'll never deal with username passwords.
Did:key is the spec I believe this will use.
https://x.com/v4vapp/status/1778720320414794026?s=46&t=-KxM0zFkgyJ6HnTuQ-VqWg