Security & how it works

Money in motion deserves a paranoid rail.

latchpay sits in the middle of other people's money. That's a responsibility we engineer for at every layer — the product, the infrastructure beneath it, and the independent verification that proves it.

SOC 2 Type II PCI DSS Level 1 Funds segregated 1:1 GDPR & CCPA

Product Security

Controls in the path of every payout.

Policy before the wire

Every payout passes configurable approval policy, velocity limits, and sanctions screening before a single rail is touched. No payout moves on a single actor's say-so.

Idempotent, signed API

Requests are idempotency-keyed and HMAC-signed. Replays are rejected, duplicate runs are impossible, and every call is attributable to a scoped key.

Least-privilege access

Role-based access, scoped API keys, and mandatory MFA. Production access is just-in-time, approved, and fully logged.

Infrastructure Security

A hardened base that holds funds 1:1.

Segregated, bankruptcy-remote funds

Customer funds are held 1:1 in segregated accounts at regulated banking partners, never commingled with operating capital and never lent out.

Encryption everywhere

TLS 1.2+ in transit and AES-256 at rest. Keys are managed in an HSM-backed KMS with strict rotation and split-knowledge custody.

Continuous monitoring

Immutable audit logs, real-time anomaly detection on payout patterns, and a tested incident-response runbook with a 24/7 on-call rotation.

Trust & Verification

Don't take our word for it.

Independent audits

SOC 2 Type II and PCI DSS Level 1 assessed annually by independent third parties. Reports available under NDA from your account team.

Penetration testing

External pen tests run at least annually and before major releases. Findings are tracked to remediation with verification.

Responsible disclosure

We welcome reports from security researchers. Disclose a vulnerability and we'll respond fast — security@latchpay.com.

Build on a rail you can prove.

Request the controls overview and a SOC 2 report walkthrough with our team.