As regards this;
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Additionally, IF someone gains access to your phone, all they have to do is look at your authenticator app, none of which I know to have additional passwords to be able to access, and see what accounts (email, bank, etc.) that you have. I personally don't like having a list of all my secure accounts, so easily accessed on my phone.
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I don't know about Authy (never used it), but using the FreeOTP authenticator you have the option of renaming a stored key - so instead of say "my bank account" it can be renamed to something not so obvious.
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Originally Posted by minimalist
Authy can be set up to require a 4 digit PIN.
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Having a PIN to unlock your 'phone is one factor - then you have your authenticator - a second factor. If your authenticator app also has PIN access that's a third factor.