Every franc on FadPay Next is protected by layered encryption, device-bound keys and biometric authorisation β backed by a compliance engine that screens every payment in real time. Security isn't a setting here. It's the foundation.
FadPay Next is built the way a modern bank should be β every layer independent, every layer hardened, so a weakness in one is contained by the next.
Your data is encrypted in transit and at rest, so it stays private the whole way from your device to our servers.
Cryptographic keys are anchored to your device and never leave it β payments are signed where you hold them.
Face ID, a fingerprint or a private PIN authorises every payment before a single franc can move.
Velocity checks and risk scoring watch each transaction and flag anything unusual the instant it happens.
Hardened infrastructure with continuous monitoring, isolation and least-privilege access at every level.
A resilient, redundant platform engineered to keep your money moving around the clock, every day.
Signing in from a new device? A password is not enough β a verification code must confirm it before it can touch your account.
See every device signed in to your account and revoke any of them in one tap. Only devices you trust stay trusted.
Every movement settles as a single all-or-nothing ledger transaction β a franc can never be spent twice or half-sent.
Compliance at FadPay is not a checkbox β it's a stack of independent modules that each screen a transaction before it settles. Every module is toggleable per market and per product, so protection scales with your regulator, not against your users.
Confirm every customer's identity before their first transfer.
Continuous AML checks across every account and payout.
Signals-driven detection that flags suspicious activity instantly.
Every payment watched in real time, end to end.
Rate and pattern limits that catch runaway or abusive flows.
Screened against OFAC, PEP and global watchlists on each payment.
Dynamic risk scores that adapt to behaviour and context.
IDs and documents checked for authenticity, automatically.
Every module is independently toggleable β and no payment leaves FadPay without passing the ones your market requires.
We hold your money and your data to the same standard: locked down, encrypted, and yours. FadPay collects only what it needs to keep you safe and compliant β and nothing more.
On FadPay, privacy is not a preference buried in settings β it is how the platform is built. Balances, income and the FadPay Score are never shown to anyone but you, on any screen or through any API, without your explicit authorization.
Your balance, your income, your FadPay Score β visible to you alone. No counterparty, partner or employer ever sees them without your explicit authorization.
When a lender or landlord needs proof, you approve the request and they receive an answer β "Eligible", "Verified", "Income requirement satisfied" β never the numbers behind it.
Tontine members see aliases only. Who received a payout and what anyone holds stays private β visible to each member for themselves, and to the organiser alone.
Our own API returns 403 for the FadPay Score, by design. Verification flows through customer-authorized attribute answers β the private path is the only path.
We engineer FadPay Next to align with the frameworks that protect global finance β and the regulations that matter here at home in West Africa.
Card data handled to Payment Card Industry Data Security Standard practices.
Information-security management modelled on ISO 27001 controls.
Privacy, consent and data-subject rights built the GDPR way.
Licensed operations and reporting aligned with each market's regulator.
Standards frameworks describe how we build and operate; certifications are pursued as we grow from Senegal across the region.
