Time  User's code   user.otp_code  
00s        542851    =>   154955
30s        154955    =>   674074
60s        674074    =>   998683
90s        998683    =>   another

# config/initializers/one_time_password_decorator.rb

ActiveModel::OneTimePassword::InstanceMethodsOnActivation.module_eval do
  def authenticate_otp(code, options = {})
    return true if backup_codes_enabled? && authenticate_backup_code(code)

    if otp_counter_based
      hotp = ROTP::HOTP.new(otp_column, digits: otp_digits)
      result = hotp.verify(code, otp_counter)
      if result && options[:auto_increment]
        self.otp_counter += 1
        save if respond_to?(:changed?) && !new_record?
      end
      result
    else
      totp = ROTP::TOTP.new(otp_column, digits: otp_digits)
      if drift = options[:drift]
        totp.verify(code, drift_behind: drift, drift_ahead: drift) # <= my change
      else
        totp.verify(code)
      end
    end
  end
end