Every tap on a Fintech triggers an encrypted exchange between the card and terminal, and every subsequent transaction between our terminals and servers travels over TLS with certificate pinning.
Behind the scenes, a machine-learning model reviews tap patterns in real time — flagging things like the same physical card tapping in two distant cities within minutes, which is physically impossible and usually indicates a cloning attempt rather than genuine travel.
We're also independently audited to PCI-DSS Level 1, the strictest tier of card data security standards, and undergo regular third-party penetration testing.