Use case | fintechs

Growing fast is good. Growing securely is essential

Fast-scaling fintechs face the challenge of balancing innovation with compliance. We help your company evolve its security program with visibility, compliance, and control at every stage of development.

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The rise of Brazilian fintechs demands new security strategies

Brazil leads the fintech ecosystem in Latin America with more than 2,000 active companies. But rapid growth comes with rising risks: increasingly complex integrations, sensitive data in transit, and new requirements from the Central Bank.

+2.048 fintechs in Brazil (A&S Partners, 2025)

Exponential growth of open banking and instant payments

Regulators increasing audits and security requirements

Growth in targeted attacks against APIs and data flows

Security that keeps up with the speed of your fintech

We combine technology, intelligence, and consulting to turn vulnerabilities into efficiency and continuous compliance

Protection of financial data and account information

Fintechs handle extremely sensitive data: account information, Pix keys, financial history, and onboarding information. These flows run through critical APIs, authentication services, transaction engines, and Open Finance integrations. Any failure can lead to unauthorized access, transactional fraud, or exposure of regulated data.

How we help reduce risks that impact operations, customers, and compliance

AppSec Manager

Centralizes findings from financial APIs, onboarding modules, authentication services, and Pix flows

Prioritizes risks based on business impact and criticality

Maintains history, evidence, and timelines for BACEN and PCI audits

Vuln Intelligence

Enriches findings with global vulnerability data (CVE, CWE)

Highlights what truly affects fraud, authorization, and financial privacy

Reduces noise and eliminates false positives that create rework

Pentest

Assesses critical APIs and systems like Pix, transfers, statements, and onboarding

Identifies technical and logical flaws that enable fraud or flow manipulation

Offers retesting and integration with development pipelines

Direct impact on your financial operation

Reduced vulnerabilities exposing banking data and sensitive credentials

Prioritization of issues that affect financial risk, fraud, and regulatory compliance

Fewer recurring failures in transactional endpoints (Pix, transfers, statements)

Continuous evidence for BACEN, PCI DSS, and internal audits

Higher confidence in critical flows that move money and sustain operations

Security in integrations: Open Finance, PSPs, banks, and partners

Fintechs operate in a fully interconnected ecosystem. APIs from banks, PSPs, credit bureaus, antifraud systems, biometrics, Open Finance, and identity providers power transactions, validate users, and support credit decisions.A single flaw in an SDK, permission, callback, or third-party library can cause transactional inconsistencies, fraud, or exposure of sensitive data.

Como reduzimos riscos em toda a cadeia de integrações

Threat Modeling

Identifies risks in financial flows before implementation

Analyzes permissions, tokens, scopes, callbacks, and business rules

Evaluates critical integrations like Open Finance, PSPs, acquirers, and financial microservices

Supply Chain Security

Assesses dependencies, containers, and SBOMs supporting financial integrations

Analyzes SDKs and libraries used by PSPs, antifraud, biometrics, gateways, and credit providers

Reduces third-party risk in the software supply chain

Vendor Assessment

Evaluates partners across technical and regulatory criteria (LGPD, PCI DSS, BACEN)

Reviews APIs, authentication mechanisms, development practices, and security maturity

Assesses bureaus, antifraud providers, biometric services, gateways, and PSPs

Direct impact on your financial operation

Risks identified before integrations go into production

Reduced exposure introduced by PSPs, bureaus, and external providers

Fewer failures in authorization, consent, and financial callbacks

Reduced transactional inconsistencies and logical fraud

Continuous monitoring of the software supply chain

Fraud prevention and protection of transactional flows

Financial flows like Pix, wallets, credit, split, cash-in/cash-out, and tokenized cards operate on sensitive decisions: limits, antifraud rules, transaction states, and communication across services. Any logical, authorization, or consistency failure can enable manipulation, flow deviation, or operational fraud.

How we help protect critical flows and reduce logical fraud

Pentest

Tests how flows react to value manipulation or parameter tampering

Identifies bypass of business rules, limits, and transaction states

Tests sensitive endpoints like Pix, split, credit, wallets, and tokenized cards

Detects inconsistencies between API, frontend, and processing

Finds authorization flaws between users, accounts, and wallets

Threat Modeling

Maps risks before developing or expanding financial flows

Analyzes transaction variations, limits, antifraud rules, and alternate paths

Identifies weaknesses in logic, authorization, and business decisions

Assesses integrations with PSPs, acquirers, and antifraud engines

AppSec Manager

Centralizes vulnerabilities from transactional endpoints

Prioritizes issues impacting balances, reconciliation, and financial operations

Reduces recurrence of failures in Pix, cash-out, onboarding, or credit flows

Maintains history for audits, RCA, and maturity tracking

Direct impact on financial operations

Reduced logical fraud, manipulation, and inconsistencies

Less exposure in sensitive endpoints (Pix, credit, wallets, split)

Risks identified before new financial features go live

More predictable, auditable flows aligned with business rules

Less rework and greater operational stability

Continuous compliance with BACEN, PCI DSS, LGPD, and financial regulations

Fintechs operate under one of Brazil’s most rigorous regulatory environments. Beyond technical requirements, there is an operational challenge: audits never stop. Regulations such as BACEN Resolutions 85/89/134/169, LGPD, ISO 27001, and PCI DSS require traceability, updated evidence, consistent controls, and the ability to demonstrate compliance throughout the development lifecycle.

How we help maintain ongoing compliance

GAP Analysis

Compares policies, processes, and controls to BACEN, LGPD, ISO 27001, and PCI DSS

Identifies gaps affecting technical and regulatory compliance

Prioritizes actions that reduce regulatory risk

AppSec Manager

Organizes history of fixes, timelines, and evidence

Centralizes findings from critical applications and maturity metrics

Supports internal and external audits with complete traceability

Eliminates dependency on spreadsheets and manual data collection

PCI Consulting

Evaluates scope and controls for PCI DSS across cards, wallets, split, and marketplaces

Reviews tokenization, segmentation, encryption, and secure storage

Guides certification preparation and maintenance as operations evolve

Regulatory and governance impact

Faster, more predictable audits

Lower risk of non-compliance with BACEN, LGPD, ISO, and PCI

More mature governance connected to development and business practices

Traceability ready for inspections, incidents, and mandatory reporting

Continuously updated and documented technical controls

Security from design: critical APIs, new products, and financial flows

Fintechs launch new products in fast cycles — digital wallets, credit engines, Pix flows, PSP integrations, and financial modules that require quick decisions. The risk doesn’t start in production; it starts in the architecture. Poorly defined permissions, data exposure, sensitive business rules, or PSP integrations can introduce flaws that become difficult and expensive to fix when discovered too late.

How we anticipate risks before go-live

Threat Modeling

Analyzes new financial products and transactional flows from the start

Evaluates Pix scheduled, Pix change, cash-in/out, credit, wallets, and split

Examines permissions, authentication, data exposure, and PSP integrations

Generates attack scenarios, security requirements, and controls before development advances

AppSec Manager

Centralizes findings per product or module (Pix, credit, wallet, onboarding)

Tracks fixes, timelines, and vulnerability impact

Helps prioritize critical risks before release

Maintains organized history for audits and continuous improvement

Pentest

Validates whether the design resists logic and manipulation attacks

Tests bypass of limits, business rules, and authorization

Assesses data exposure in internal and external APIs

Tests high-risk endpoints: Pix, accounts, onboarding, credit, wallets, PSPs

Impact on product launch

Less rework and fewer go-live delays

Critical risks identified before reaching users

Fewer logical and authorization flaws in financial flows

More secure products from day one

Reduced regulatory and operational exposure

AI security for scoring, fraud detection, and automation

Fintechs depend on AI models for scoring, fraud detection, behavioral analysis, biometrics, and operational automation. These models influence credit approvals, limits, blocks, chargebacks, and operational risk.AI environments bring unique risks: feature manipulation, adversarial attacks, poisoning, data leakage, and exposure via inference APIs.

How we protect AI pipelines used in risk, credit, and fraud

Threat Modeling

Assesses risks across the AI pipeline architecture

Evaluates ingestion of financial and transactional data

Reviews feature engineering, scoring models, and antifraud logic

Identifies risks like poisoning, model theft, adversarial inputs, and data exposure

Produces security requirements before production release

Pentest

Tests input manipulation and output distortion

Evaluates resilience to adversarial attacks

Checks for sensitive data exposure via APIs

Tests authentication and authorization flaws in inference endpoints

Simulates real fraud and manipulation scenarios

AppSec Manager

Centralizes findings from AI tests and audits

Tracks correction history per model, version, and endpoint

Ensures traceability for BACEN and LGPD requirements

Provides ongoing visibility of ML + AppSec maturity

Direct impact on risk and fraud operations

More resilient models against manipulation and attacks

Fewer distortions in scoring and fraud analysis

Security aligned to the ML lifecycle (MLOps + AppSec)

Evidence and traceability for internal and external audits

Reduced regulatory exposure under LGPD and BACEN

Vendor Risk and supply-chain security

Fintechs rely on a complex ecosystem — PSPs, credit bureaus, fraud-prevention engines, acquirers, biometric providers, KYC/KYB services, issuers, gateways, and banking partners. These vendors handle financial, transactional, and identity data, and any weakness can lead to large-scale fraud, service disruption, data leaks, or regulatory exposure under BACEN, LGPD, and PCI DSS. Today, the supply chain is one of the biggest sources of risk for growing fintechs.

How we reduce risk across your third-party ecosystem

Vendor Assessment

Evaluates critical suppliers under technical and regulatory criteria

Examines bureaus, PSPs, acquirers, and antifraud APIs

Validates authentication, authorization, encryption, and engineering practices

Ensures compliance with LGPD, PCI DSS, and BACEN frameworks

Performs technical testing of exposed applications, APIs, and integrations

Delivers risk classification and recommendations for onboarding and continuity

Supply Chain Security

Analyzes libraries, SDKs, and dependencies used in financial integrations

Reviews PSP, antifraud, gateway, and biometric SDKs

Examines SBOMs for vulnerable versions

Validates containers and images used in critical flows

Identifies compromised components before they affect transactions

GAP Analysis

Compares internal controls with BACEN Resolutions (85, 89, 134, 169)

Evaluates partner-bank requirements and ISO 27001 good practices

Checks compliance with LGPD and PCI DSS

Reveals gaps that may create regulatory or operational risk

Direct impact on operations

Reduced risks from PSPs, bureaus, and antifraud providers

A more predictable and auditable vendor ecosystem

Lower exposure to third-party failures and service interruptions

Evidence ready for banking and regulatory audits

Security integrated into vendor onboarding and management

Experts in security and PCI DSS certification

We support fintechs that need to balance innovation and compliance, working across both technical and regulatory layers. As a PCI DSS Qualified Security Assessor, we combine AppSec expertise with regulatory compliance to provide an end-to-end view—from code to production environments.

Discover Conviso Platform

PCI DSS certifier with technical and regulatory expertise

Specialists in DevSecOps and AppSec

Deep experience with fintechs and financial services of all sizes

Dev-first, shift-left approach integrated into the development pipeline

Ready to grow securely?

Talk to our specialists and discover how Conviso helps fintechs strengthen their security programs without slowing down innovation.

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