Methods and systems for storing secret information in a digital vault include obtaining from a user answers to a number of different questions, and identifying which subsets or combinations of the questions for which correct answers later provided by an entity will enable that entity to gain access to the secret information in the vault. The number of questions in each combination is less than the total number of questions, and at least one subset has at least two questions. For each subset, a corresponding string of answers is generated, the string is hashed, and the resulting hash value is combined with the digital secret. This hides the digital secret, which is then stored in the vault. Methods and systems for registering authentication material include storing a hashed string of answers for each combination, generating "multiple authenticators."