Security Standards & Architecture
Effective Date: September 15, 2026 • Bank-Grade Security Controls
1. Multi-Layered Security Philosophy
At OuiPay, security is foundational to everything we build. We implement multi-layered security controls designed to protect user identity, wallet funds, linked payment methods, and financial transaction data against unauthorized access, intercept, or compromise.
Our security framework adheres to international security standards and industry best practices for digital financial platforms.
2. Encryption in Transit & At Rest
OuiPay enforces end-to-end cryptographic protection for all customer data passing through our system:
- Data in Transit: All network communication between OuiPay web and mobile applications and server infrastructure is encrypted using bank-grade 256-bit Transport Layer Security (TLS) protocol.
- Data at Rest: Sensitive identity information, customer credentials, and transaction records are encrypted at rest using industry-standard 256-bit encryption keys.
3. Multi-Factor Authentication & Biometric Authorization
We enforce stringent identity verification controls to ensure authorized account access:
- Multi-Factor Authentication (MFA): Two-factor authentication via verification codes during login sessions from unverified devices.
- Biometric Payment Authorization: Financial transactions, payment debits, and currency exchange orders require explicit biometric authorization (TouchID or FaceID) or encrypted transaction PIN verification on mobile devices.
- Session Protection: Automatic session termination after periods of inactivity to prevent unauthorized access.
4. Regulatory Compliance & Safeguarded Funds
OuiPay operates in strict technical partnership with commercial banks, payment networks, and settlement institutions licensed by the relevant financial regulatory authorities in our operating countries:
- Safeguarded Accounts: Customer funds are held in safeguarded partner bank accounts with regulated financial institutions, completely separate from OuiPay operational accounts.
- Strict Internal Controls: Access to customer records is restricted by strict identity authentication protocols.
5. Continuous Monitoring & Fraud Prevention
Our security systems continuously monitor platform operations to detect and neutralize potential security risks:
- Real-Time Fraud Detection: Automated security engines analyze transaction patterns to detect and flag suspicious activity in real time.
- Vulnerability Auditing: Regular security assessments and dependency auditing to ensure software integrity prior to deployment.
- Independent Security Reviews: Periodic security evaluations and testing conducted by independent cybersecurity specialists.
6. High Availability & Platform Security
OuiPay infrastructure is hosted within secure, redundant data center facilities equipped with automated backup capabilities and threat mitigation controls to ensure reliable access to your account.
7. Responsible Security Reporting
If you observe any suspicious activity or potential security issue related to your account or the platform, please notify our Security team immediately at security@ouipay.africa.