I think you described what Apple implemented for its Declared Age Range API. The API has one additional privacy protection, which is that the API only gives age bracket information rather than precise age.
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No, it’s the opposite. Apple argued strongly that passkeys are intended to be a replacement for passwords and so must be syncable. And that’s how it’s implemented on Apple OSes. It syncs to iCloud Keychain or your password manager, and so that same passkey is available on all your devices. It’s not even locked into Apple’s ecosystem because of cross-platform password managers.