Independent security evidence for your bank partner’s review
You built fast, some of it with AI tools, and it works. Now a sponsor bank, an institutional customer or your own risk program wants proof that one customer cannot see another customer’s money. We test your live app from the outside, signed out and signed in, have a human verify every finding, and give you a signed attestation letter in 5 business days.
When fintech founders need this
Your sponsor bank or BaaS partner is reviewing you
Banks are expected to do due diligence on the fintechs they partner with, including information security (the 2023 interagency guidance on third-party relationships). The diligence request asks for recent independent testing of your application. You need a dated, signed answer.
An enterprise or institutional customer sent a questionnaire
Wealth platforms, lenders and payment tools selling to institutions hit the same line: “Describe your most recent independent security test.” A blank answer stalls the deal for weeks.
Your own program needs evidence
The FTC Safeguards Rule, which covers many non-bank financial companies, expects regular vulnerability assessment of your systems. Your counsel decides what satisfies it; we give you dated, independent evidence about the application your customers actually use.
This page describes what those reviews typically ask for; it is not legal or compliance advice. If your program requires an accredited manual penetration test by name, we will tell you on the scoping call rather than sell you the wrong thing.
What we find in fintech apps
One customer reading another's accounts
Change an ID in a request and another user's balances, transactions or statements come back. We test this with two real accounts, not a guess.
KYC documents in an open storage bucket
ID scans and bank statements uploaded during onboarding, in a storage bucket (Supabase-style backends) that anyone can list with no login. We prove it from file names alone and never download a customer's document.
Secret keys shipped to the browser
Live payment secret keys (such as Stripe) and other private tokens sent to every visitor in the app's JavaScript, where anyone can use them.
A database that answers without a login
Backends generated by AI tools often ship with access rules that look enabled but still return rows to anonymous requests. We check what actually comes back.
Admin pages a normal user can still reach
Admin screens and actions hidden in the interface but not blocked on the server. You tell us the roles and admin areas on the scoping call; we test them with a normal account. We never trigger a real payment, refund or payout.
Each maps to the line in a vendor questionnaire it would fail; see the vendor review guide and the OWASP/WSTG mapping on the coverage page.
Where our testing is deepest, stated honestly
Apps on AI app platforms and hosted backends
Lovable, Bolt, Replit, base44, Bubble, and apps on Supabase or Firebase. Our automated testing knows how these are built and probes their data rules directly. This is where it goes deepest.
Custom stacks (most fintechs)
Your own API on your own cloud. Automation covers what any outside attacker reaches: keys in the browser, sign-in and session handling, headers, and cross-account access on the requests we observe with your two test accounts. A human tester covers your app-specific logic, and the letter says which parts were automated and which were human-tested.
We confirm which applies to your app on the scoping call, before you pay.
What you get
A signed attestation letter
Scope, method, dates and outcome on one page, written for the reviewer at your bank partner or customer. It says plainly what was and was not tested, which is why reviewers take it seriously.
The evidence-backed report
Every confirmed finding with the exact request and what came back, graded by real impact, with a plain-English fix. A human tester verifies findings before you see them.
A re-test after you fix
Included. The letter is then updated to say issues were remediated and re-verified, which is the sentence a risk reviewer looks for.
Price and guarantee
If your bank partner’s or customer’s security team rejects the letter, you get a full refund.Keeping it current is optional: Continuous Verification re-tests monthly and refreshes the letter every quarter, so the answer to “when was your last independent test?” is always “within 90 days.”
For accelerators and investors
We run a free security review clinic for fintech and health cohorts: with each startup’s consent, an independent test of their live app and a plain-English walkthrough of what to fix before their first bank or enterprise review. No obligation for the startups. Email support@getargosx.com with your cohort dates.