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Security built around one rule
Mobile Money transaction PINs never leave the device. Every other layer — Trust Platform, Financial Runtime, audit logs — exists to protect that boundary.
Security domains
A device has to be verified and trusted before it can run automated transactions for a station.
- New devices are enrolled deliberately, not automatically
- Trust is scoped to a station — a device trusted for one station isn't trusted for another
- Replacing a device means re-establishing trust, not inheriting it
SIMs are bound and verified per device, so an unauthorized SIM swap can't silently take over a line.
- Each SIM is tied to the device it was enrolled on
- Swapping a SIM into an untrusted device breaks the binding rather than transacting silently
- Multi-SIM stations keep each line's trust independent of the others
One score rolls up device and SIM trust across an entire station, giving a station manager one reliable signal instead of a device-by-device checklist.
- Combines Device Trust and SIM Trust at the station level, not just per device
- Feeds the Unified Runtime Policy that decides what's allowed to run automatically
- A restored or replaced device starts at an intermediate trust level, never full trust by default
The policy layer decides what Runtime V2 is allowed to automate — and where a human has to confirm — from the trust signals above.
- Organizations set the policy; the runtime enforces it, not the individual agent
- Every automated step still surfaces to the agent for confirmation before it commits
- Trust engines never block a transaction directly — only the policy layer decides
Checks available balance before every transaction, so an impossible transaction is refused before it costs money, not after.
- Verified balance is checked against amounts already reserved before authorizing a new dial
- An unknown balance blocks the transaction the same way an insufficient one does
- Field-validated on real hardware — not just designed in theory
Mobile Money PINs are sealed in the Android KeyStore on-device — hardware-backed where the device supports it.
- PINs are never transmitted off the device
- PINs are never included in cloud sync, backups, or transaction metadata
- Any biometric change or tamper attempt purges the PIN vault entirely
AES-256-GCM encrypted backup and restore of a station's configuration — never including transaction PINs, which stay bound to the device that holds them.
- Financial data is explicitly excluded from export and import
- Restore runs as an atomic pipeline, with an explicit on-screen confirmation step
- Restoring a station onto a new device means re-entering PINs there, never migrating them
Runtime V2 behaves identically on every run, on every device — consistency is what makes automation trustworthy.
- Runtime V2 remains the sole execution path for automated USSD sequences
- No persistent trust session by default — every transaction requires active confirmation
- Behavior never varies by device, station, or SIM in use
Every transaction and every security-relevant action is recorded — never edited or deleted after the fact.
- Every correction becomes a new, approved entry, never a silent edit to an existing one
- Gives organizations a complete, tamper-evident audit trail
- The same discipline that protects your transaction data protects the history itself
Turns Mobile Money confirmation SMS into structured transaction history through one closed pipeline — never interpreted ad hoc by whichever feature happens to need it.
- A single entry point for SMS interpretation, never consumed directly by a feature
- Field-verified for MTN Ghana and MTN Bénin
- Acts as an independent safety net for resolving a transaction that's still pending
Instantly hides balances, amounts, and names on screen, across every view in the app — useful the moment someone's looking over an agent's shoulder.
- Toggle it in one tap from the dashboard or settings
- Never masks fields being actively entered, so a privacy feature never becomes a safety regression
- Cloud sync exists for configuration and metadata — never for anything that could reconstruct a PIN
Questions about how we handle security?
Talk to us directly, or download the beta and see the trust model in action.