Earlier this year the new standard of secure passwordless authentication was submitted to W3C. Major browser are already in the process of implementing this standard so we can expect that this kind of authentication will be available to the end users very soon. Meanwhile I was playing with the ESP32 development board which features Bluetooth Low Energy connectivity. I think it will be extremely interesting to build personal authenticator device.
You said you won't opensource it due to biometrics.
But perhaps you can make a "URU Key Lite" without fingerprinting, but with a simple click-button (and maybe tiny screen in the freed from fingerprinting space), and perhaps a pair of USB + USB-C connectors for desktop uses ?