Give verified status to users who have recieved payouts.
Personally, i do not have a mobile phone by choice. I have no need for it, so i'm not going to waste money paying for it each month. Therefor, i don't have a way to verify my login even though i have the authy app, 2fa enabled, and i'm affiliate. They have my tax information, but they won't "verify" me.
The best thing i could think of is if a user has received payouts, give them the same status as if they had a phone. I know a lot of users who stream, but don't have a phone to verify themselves, meaning they're getting blocked from chatting in a lot of places. It's alienating and unnecessary, the bots are getting through anyways.

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Fortissimou2 commented
I know multiple people who don’t have a phone, don’t need a phone. Why give them this limitation when bots are coming through anyway? Don’t punish your users
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QuixoticPuffles commented
I have my chat set to needing phone verification if an account is under a certain age but this does not work at all. A friend on mine could no longer chat despite their account being years old.