Hi Greg Hawthorne,
By default, Windows 11 forces "Windows Hello" (PIN/biometrics) for Microsoft accounts and disables standard password authentication. RDP, however, requires a standard password to authenticate over the network. Chrome RD bypasses this because it operates completely differently at the application layer.
Here is the practical way to fix this without messing with security policies:
1. Disable the Windows Hello restriction: On the host PC, go to Settings > Accounts > Sign-in options. Scroll down to "Additional settings" and turn OFF the toggle for: "For improved security, only allow Windows Hello sign-in for Microsoft accounts on this device".
2. Cache your password locally (Crucial Step): Lock the host PC (Win + L). On the lock screen, click "Sign-in options" and choose the Password icon (not the PIN icon). Log in using your @live.com password. This forces Windows to cache the actual password hash needed for RDP.
3. Use the correct RDP username format: When connecting from the client machine, do not just type your email or local account name. Enter the username exactly like this to force the Microsoft Account provider: MicrosoftAccount\******@live.com
Do this, and your RDP should connect immediately. If this resolves your issue, please click "Accept Answer".
Tracy Le.