Safety isn't a feature.
It's the product.
The same security foundation protects bank transfers, bill payments, card actions, account access, and SafePay deals from the first review screen to the final record.
Security follows every movement of money.
SafliPay combines regulated payment infrastructure, identity checks, encryption, approval controls, and complete records across every product in the account.
Regulated custody
Real money is held by CBN-licensed partner institutions, not by SafliPay. Your funds sit in regulated accounts and move only on a confirmed instruction.
Verified identity
Every counterparty passes MetaMap liveness and government-ID checks before they can transact, with tiered limits that scale as verification deepens.
Transaction and card controls
Important transfers and card actions use PIN or biometric approval. Cards can be frozen and spending controls can be managed directly in the app.
Encryption everywhere
Data is encrypted in transit with TLS 1.3 and at rest with AES-256. Passwords are hashed, and sensitive fields are encrypted in the database.
Immutable audit trail
Every balance change, status update, and dispute decision is logged to an append-only ledger and retained for compliance, downloadable as proof.
Built for resilience
Idempotent payment handling, reconciled ledgers, and rate limiting are designed in from the start to keep transactions correct, even under load.
Your data is handled with care and within the rules.
SafliPay is designed to align with Nigeria's NDPR data-protection framework and CBN guidelines for payment service providers, including tiered KYC limits and transaction monitoring.
NDPR-aligned
Clear consent, encrypted personal data, and a defined retention policy.
Tiered KYC limits
Transaction limits scale with verification level, protecting new accounts.
Audit-ready records
Immutable transaction history retained for the long term, ready for review.
Least-privilege access
Sensitive operations are restricted, logged, and reviewable by role.
These standards apply whether you are sending to a bank, paying a bill, managing a card, receiving money, or using SafePay for a protected deal.
Download SafliPay