Your money, protected.
CrossPay is built compliance-first. Here's how we keep your money and your data safe at every step.
PIN + biometric on every payment
Each transfer is approved with your 6-digit PIN or Face ID / fingerprint. Your device is bound to your account.
Tiered KYC & AML
Every user is verified (BVN/NIN in Nigeria, ID in South Africa). Sanctions and PEP screening run on both ends of a transfer.
Encryption everywhere
Data is encrypted in transit and at rest. Sensitive keys are managed by regulated infrastructure — never on your phone.
Licensed custody
Funds move through licensed on/off-ramp partners. CrossPay does not hold your private keys — custody sits with regulated providers.
Travel Rule & monitoring
Transfers carry the compliance data regulators require, with continuous transaction monitoring for fraud and abuse.
No hidden spread
We show the mid-market rate and one clear fee before you confirm — so you always know exactly what moves.
CrossPay is aligned with the CBN's Payment System Vision 2028, Nigeria's SEC digital-asset framework, and South Africa's FSCA regime. Found something? Email security@crosspay.co.za.
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