That's interesting. I would think that identical twins would be very hard to distinguish... and those certainly have an almost 1:350 odds. Of course you're likely to know them, but still I'm not sure banks would be happy with that for FIDO.
Banks are all about risk management not necessarily avoiding and and all risks.
But again if you can't trust your twin well then your phone is the last thing I would be worried about.
Ask their mom. (Hint: They're not.)
Perhaps they can sidestep this by offering a specific twin learning feature.