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MoMo Assistant
Security

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

Device Trust

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
SIM Trust

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
Station Trust

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
Unified Runtime Policy

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
Financial Runtime

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
PIN Security

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
Encrypted Backup

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 Integrity

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
Append-only Execution History

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
SMS Intelligence

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
Privacy Mode

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.