Security
Platform security and ledger integrity controls
Platform Security
Multi-layered security controls protecting accounts, data, and transactions
Encryption in transit and at rest
All data transmission uses TLS 1.3. Sensitive data encrypted at rest using industry-standard algorithms.
Role based access controls
Granular permissions system controls access to merchant accounts, sub- accounts, and sensitive operations.
Multi factor authentication
Account access protected by MFA. Support for authenticator apps and SMS verification codes.
Activity logging and monitoring
Comprehensive audit logs track all account activity, permission changes, and sensitive operations.
Incident response procedures
Defined processes for security incident detection, containment, investigation, and notification.
Additional Security Measures
Infrastructure Security
xPayz infrastructure operates in secure cloud environments with network segmentation, firewall protection, and intrusion detection systems. Regular security assessments and penetration testing identify and address vulnerabilities.
Application Security
Secure development practices include code review, static analysis, and dependency scanning. Input validation and output encoding prevent common attack vectors including injection and cross-site scripting.
Access Management
Principle of least privilege applied to all system access. Administrative access requires multi-factor authentication and is logged for audit purposes. Regular access reviews ensure appropriate permission levels.
Ledger Integrity
The xPayz ledger maintains an immutable record of all transactions and balance changes. Once recorded, ledger entries cannot be modified or deleted, ensuring complete transaction history for reconciliation and compliance purposes.
Transaction Recording
Every payment, transfer, or balance adjustment is recorded with complete details including timestamp, amounts, accounts involved, and transaction identifiers. Records include identity verification status and compliance checks performed.
Audit Trail Integrity
Ledger records use cryptographic techniques to prevent tampering and ensure data integrity. Transaction chains maintain provable sequence and completeness. Any attempt to modify historical records would be immediately detectable.
Reconciliation Support
Complete transaction history enables accurate reconciliation for merchants, compliance teams, and auditors. Export capabilities provide transaction data in standard formats for accounting systems and regulatory reporting.
Transparency and Control
Ledger transparency provides enhanced oversight compared to traditional payment systems where settlement occurs across multiple intermediaries. All parties can view their complete transaction history, current balances, and pending operations in real time.
Incident Response
xPayz maintains incident response procedures covering detection, containment, investigation, and resolution of security events.
1
Detection
Automated monitoring and alerting systems detect anomalous activity, failed authentication attempts, and potential security incidents.
2
Containment
Immediate actions taken to isolate affected systems, suspend compromised accounts, and prevent incident escalation.
3
Investigation
Security team analyzes incident scope, impact, and root cause using audit logs and forensic data.
4
Resolution & Notification
Vulnerabilities addressed, affected accounts notified, and regulatory reporting completed as required by jurisdiction.
User Reporting: Users who identify security vulnerabilities or suspicious activity should contact security@xpayz.us immediately. Reports are reviewed by the security team and responded to based on severity and impact.