Security & Trust
How we keep your
money safe.
Your savings deserve institutional-grade protection. Here's exactly how we secure every dollar, pound, and euro you trust us with.
Custody Model
Your funds. Segregated.
Always.
1
Institutional Custody
Your funds are held with institutional-grade custody infrastructure. Regulated, audited, and purpose-built for securing your money.
2
Fund Segregation
Your money is never mixed with our operating capital. Held in segregated accounts, always. Regular transparency reports on fund holdings and operational health.
3
On-Chain Auditable
Reserves are verifiable and auditable. You don't have to trust us — you can verify that your funds exist.
4
Regulated Infrastructure
South African registered entity operating on licensed, regulated financial infrastructure. Full compliance with local financial services law.
KYC & Compliance
Identity verification
that protects everyone.
KYC isn't just regulatory box-ticking. It's how we keep bad actors out and protect your community's savings.
Step 1
Identity Verification
Government-issued ID check and biometric verification during onboarding. Fast, secure, and required for every member.
1
2
Step 2
AML/CFT Monitoring
Continuous transaction monitoring for suspicious patterns. Automated screening against global sanctions and watchlists.
Ongoing
Ongoing Due Diligence
Periodic re-verification and risk assessment. Keeping your community safe isn't a one-time check — it's continuous.
3
Financial Integrity
Banking-grade ledger.
Every cent accounted for.
01
Double-Entry Ledger
Sensitive operations is recorded with matching debit and credit entries. The books always balance — mathematically guaranteed.
MethodDouble-entry
BalanceAlways zero-sum
GuaranteeMathematical
02
Daily Reconciliation
Automated daily reconciliation between our ledger and custody accounts. Discrepancies trigger immediate alerts.
FrequencyDaily
On mismatchInstant alert
Coverage100% of accounts
03
No Duplicate Charges
Every operation is safe to retry without double-processing. No duplicate charges, no missing funds, no matter what happens.
Retry safetyGuaranteed
Duplicate riskZero
Missing fundsImpossible
Operational Safety
Multiple layers of
protection.
End-to-End Encryption
All data encrypted in transit and at rest. Your personal information and transaction history are protected at every layer.
Biometric Authentication
Fingerprint or face recognition to unlock the app. Step-up verification required for sensitive operations like transfers and withdrawals.
Transfer Kill Switch
Instantly freeze all outbound transfers if you suspect unauthorized access. One tap, immediate lockdown.
Circuit Breakers
Automated circuit breakers detect unusual activity patterns and pause processing. Protects the system and every user in it.
Biometric App Lock
Face ID or fingerprint required to open the app. Your wallet is locked to your device — even if someone has your phone, they can't access your funds without your biometric.
FAQ
Security questions
Is my money safe with CitizenWealth?+
Yes. All funds are held in segregated accounts with institutional custody infrastructure, completely separate from our operating capital. We use end-to-end encryption and biometric authentication with step-up verification for sensitive operations.
How are funds custodied?+
Your funds are held with institutional-grade custody infrastructure. Reserves are auditable. Your funds are never mixed with operational capital.
What happens if CitizenWealth goes down?+
Your funds are held in segregated custody accounts, not on our balance sheet. Even in the event of operational disruption, your funds remain accessible through the custody infrastructure.
How does KYC verification work?+
We verify your identity during onboarding using government-issued ID and biometric checks. This protects you and the community from fraud while meeting regulatory requirements.
Can I see proof that my funds exist?+
Yes. Reserves are auditable. We also provide transparency reports detailing fund holdings, operational health, and financial integrity metrics.
What security measures protect my account?+
Multiple layers: end-to-end encryption for all data, biometric authentication (fingerprint/face) with step-up verification for sensitive operations, device-level security binding, transfer kill switch for emergency lockdown, and automated circuit breakers for unusual activity.
Get Started
Your money deserves
institutional protection.
Open your wallet with the confidence that your savings are secured by the same standards trusted by financial institutions.