Security and compliance by design

We protect accounts with modern controls and follow a compliance-first approach to help keep payments safe and lawful.

Protecting access and reducing fraud

We use a combination of technical and operational controls designed to protect accounts and transactions, including:

Secure authentication and device verification
Account activity monitoring
Process controls for sensitive actions

Risk-based onboarding and monitoring

To meet regulatory requirements, we verify customers and may request additional information or documents. We may also apply transaction monitoring and screening processes where required.

What to expect for crypto and stablecoins

Digital asset transfers may not execute instantly due to compliance review and blockchain confirmations. Exchange rates and fees may vary between initiation and execution.

Not a bank

COBBYPAY is not a banking institution and deposit guarantee schemes do not apply. Where applicable, funds are kept safe for the benefit of clients.