Your money is always protected
We take security seriously. Here's everything we do to keep your funds and data safe.
How we protect you
256-bit AES encryption
All sensitive data — account numbers, card details, documents — is encrypted using AES-256, the same standard used by governments and the world's top financial institutions. Data in transit is protected by TLS 1.3.
Biometric & multi-factor authentication
Support for Face ID, fingerprint (WebAuthn), TOTP authenticator apps, and SMS/email OTP. Every sensitive action (transfers, PIN changes) requires re-authentication. We support hardware security keys (FIDO2).
AI-powered fraud detection
Every transaction is scored in real time by our ML fraud engine. Unusual patterns — new devices, unusual locations, atypical amounts — trigger additional verification. Suspicious transactions are automatically held for review.
Segregated client funds
Your money is held in segregated accounts at CBN-regulated partner banks, completely separate from MyroPay's operating funds. In the event of insolvency, your funds are protected and not available to creditors.
Regular penetration testing
We conduct independent penetration tests quarterly and run a private bug bounty programme. Our security team includes certified ethical hackers and former fintech security engineers.
Report a vulnerability
If you discover a security vulnerability in MyroPay, please report it responsibly to our security team. We investigate all reports and credit researchers appropriately.
security@myropay.comPGP key available on request. Please do not test on production user accounts or data.
