I put up a small PR at https://github.com/ory/kratos/pull/4384 to address some issues in SMS verification. In our set up, this PR allows us to allow users with either an email or phone number, or both, with verification enabled, and mostly straightforwardly render the UI sent by the Kratos server. Without this PR we don’t receive verification nodes for the phone, and the server doesn’t accept requests to verify SMS. Not sure if it’s necessary to post here when putting up a PR but I saw a couple others do it. Anyway, happy to iterate if it’s not up to the project’s expectations, I would love to get something like this landed instead of needing to run a private fork.