[ LICENSING ]
Regulated where it matters.
OpenFi operates under direct regulatory registrations rather than relying solely on partner licences - so the rail stays compliant end-to-end.
United States
FinCEN — Money Services Business (MSB)
Canada
FINTRAC — Money Services Business (MSB)
Bank of Canada — Payment Service Provider (PSP)
United Kingdom
FCA — Electronic Money Institution (EMI)
Hong Kong
MSO — Money Service Operator licence
[ SECURITY ]
Assurance built into
the rail.
Our underlying financial infrastructure is engineered from the ground up to protect your operations. Security is never an afterthought; it is embedded directly into every flow and automated transaction across the network.
SOC 2
Aligned
ISO 27001
Aligned
Identity
Cryptographic
Encryption
In transit + at rest
Built to Global Standards
SOC 2 Alignment
Our operational security program is actively structured around rigorous SOC 2 guidelines to prepare for future independent validation.
ISO 27001 Standards
We manage data risk and asset protection by designing all internal controls to align with international ISO 27001 standard frameworks.
Zero-Knowledge Data Protection
Zero-Knowledge Architecture
Sensitive transaction details and data payloads remain private, isolated, and strictly unreadable by unauthorized parties.
Cryptographic Identity
Every leg of the financial rail requires strict cryptographic identity verification to secure access boundaries.
Enterprise-Grade Encryption
In Transit & At Rest
Data is continuously protected with industry-standard encryption across every leg of the rail and at rest in our databases.
Scoped Access
Short-lived tokens, scoped API keys, and least-privilege controls apply to every automated flow on the network.
[ FAQs ]
Common questions.
Build on the rail between banks and blocks.
Sandbox keys issue instantly. Production within a business day.