Have you ever had to type in a password to get into a website? It's like a secret code that only you know that lets you get into your private account. But sometimes, bad guys can sneak into websites and try to guess your password. That's not safe!
That's where Universal 2nd Factor, or U2F for short, comes in. It's like a special key or a secret code that you can use instead of just a regular password. When you go to log in to a website, you take out your U2F key and plug it into your computer or phone. Then, the U2F key and the website have a secret talk to make sure it's really you who is trying to log in - not a bad guy pretending to be you.
So with U2F, even if someone gets your password, they can't get into your account because they don't have your special key. U2F makes your account much safer!