FDIC Insured
Deposits insured up to $250,000 per depositor, per account category.
All Systems Operational · 99.99% Uptime
Your Security Is Our
First Principle
Zero client funds have ever been lost to fraud in 25+ years. That's not luck — it's architecture, process, and a team obsessed with keeping it that way.
Certifications & Compliance
Independently Verified. Every Year.
Our security posture isn't self-reported — it's audited by independent third parties against the most rigorous global standards.
SOC 2 Type II
Annual third-party audit of security, availability, and confidentiality controls.
ISO 27001
International standard for information security management systems.
PCI DSS Level 1
Highest level of compliance for handling payment card data globally.
AES-256 Encryption
Military-grade encryption at rest and in transit. Every byte, every time.
System Status
Real-Time Platform Health
We monitor every system around the clock. View live status at any time. Our SLA guarantees 99.99% uptime — that's less than 53 minutes of downtime per year.
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Core Banking Platform
Operational
Payment Processing
Operational
Authentication Services
Operational
Mobile App (iOS & Android)
Operational
International Wire Transfers
Operational
API & Developer Platform
Operational
Last checked: just now · Uptime past 90 days: 100%
Security Architecture
Defense in Depth
We don't rely on a single security layer. Multiple independent systems catch what others miss.
Zero-Trust Architecture
No user, device, or service is trusted by default — inside or outside the network perimeter. Every request is verified, authenticated, and authorized independently. Lateral movement is structurally impossible.
End-to-End Encryption
AES-256 encryption for all data at rest. TLS 1.3 for all data in transit. Encryption keys rotate automatically every 90 days and are stored in hardware security modules (HSMs), never in application code.
Continuous Threat Monitoring
Our 24/7 Security Operations Center processes over 2 billion security events per day. Anomalous patterns trigger automated alerts and human review within minutes — not hours.
Biometric Authentication
Face ID, Touch ID, and hardware security keys are supported for all account access. Biometric data never leaves your device — we store only cryptographic proofs, not images or fingerprints.
AI Fraud Detection
Real-time ML models score every transaction for fraud risk before settlement. Models trained on 10 years of transaction data catch novel attack patterns that rule-based systems miss entirely.
Global Threat Intelligence
We share threat intelligence with government agencies, financial sector ISACs, and peer institutions in real time. Known bad actors are blocked across the entire Vaultstone ecosystem within seconds of identification.
Fraud Protection
When Something Looks Wrong,
We Act First
We don't wait for you to file a dispute. Our systems detect and act on suspicious activity before it becomes a loss — and when fraud does occur, our zero-liability policy means you're protected.
Zero-liability fraud policy for unauthorized transactions
Funds returned within 1 business day of confirmed fraud
24/7 dedicated fraud resolution team, no bots
1
Transaction Scored in Real Time
Every transaction is evaluated by 47 ML signals — amount, location, device fingerprint, velocity, merchant risk — before it clears. High-risk transactions are held for review automatically.
2
You're Notified Immediately
Suspicious activity triggers an instant push notification. One tap confirms or disputes the charge. No hold music, no waiting for a form to process.
3
Card Frozen Instantly if Needed
Freeze or unfreeze your card from the app in under 3 seconds — at any hour, anywhere in the world. A replacement card ships within 1 business day.
4
Investigation & Full Reimbursement
Our team investigates within 24 hours. Confirmed unauthorized transactions are reimbursed in full — with no deductible and no paperwork burden on you.
Responsible Disclosure
Found a Vulnerability? Tell Us First.
We take security seriously and we're grateful to researchers who help us improve. If you've discovered a potential vulnerability in Vaultstone systems, please report it responsibly before public disclosure.
We commit to acknowledging receipt within 24 hours, providing a resolution timeline within 5 business days, and publicly crediting researchers (with their consent). Researchers acting in good faith are protected from legal action.
PGP key available for encrypted reports · Email: support@vaultstoneholding.com