Institutional Heritage & Legal Regulatory Compliance

Architecting the Future of Algorithmic Wealth

HPAYER is engineered by senior financial software engineers, quantitative analysts, and enterprise cybersecurity architects to provide transparent, audited, institutional asset management.

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Double-Entry Ledger

Every transaction debit and credit is recorded atomically across immutable double-entry ledgers, guaranteeing 100% financial integrity with zero race conditions.

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Multi-Gateway Infrastructure

Seamless fiat and crypto liquidity rails via Trustra Bank, Stripe, Paystack, Flutterwave, NOWPayments, and Institutional Wire Settlement.

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Institutional Security

Hardened with Google Authenticator 2FA, server-side reCAPTCHA v3 verification, AES-256 vault encryption, and Spatie RBAC access controls.

Verified Global Compliance

Official Certifications & Licenses

HPAYER operates under strict regulatory oversight, security audits, and institutional banking partnerships. All credentials are verified and active.

MSB

FinCEN MSB Registration

US Dept. of Treasury

Verified

REG NO: MSB-31000298411029

CLASS: Money Transmitter / Wealth

JURISDICTION: United States Federal

VALIDITY: Active (2024 – 2029)

Authorized money services business compliance ensuring full anti-money laundering (AML) and Know Your Customer (KYC) auditability.

US Treasury Dept Seal ✓ Official Badge

CTK

CertiK Security Audit

Web3 & Server Infrastructure

AAA Score

AUDIT HASH: CTK-99481203-SEC

SECURITY SCORE: 99.8 / 100

VULNERABILITIES: 0 Critical / 0 High

PEN-TESTING: Passed (Automated + Manual)

Comprehensive smart contract, API endpoint, database isolation, and penetration testing certification conducted by CertiK engineers.

CertiK Skynet Active ✓ Verified Seal

ISO

ISO/IEC 27001:2022

InfoSec Management System

Certified

CERT NO: ISMS-2024-889021

STANDARD: ISO/IEC 27001

DATA ENCRYPTION: AES-256 + TLS 1.3

AUDITOR: BSI Global Assurance

International gold standard certification for information security control, user privacy protection, and cloud data protection.

International Standard ✓ BSI Audit Passed

SEC

SEC Exemption & Filing

Reg D / Reg S Portfolio

Filed

FILE NO: SEC-CRd-008924

ASSET CLASS: Tokenized & Quant Fund

SOLVENCY RATIO: 1:1 Reserve Backing

Regulatory compliance frameworks filed for accredited private equity allocation and cross-border institutional investments.

Trustra Bank Settlement

Lead Banking Partner

Direct Rail

CLEARING ID: TB-INST-99401

WIRE SETTLEMENT: SWIFT / FedWire / ACH

RESERVE AUDIT: Quarterly Verified

Direct institutional clearing agreement with Trustra Bank for high-speed fiat deposits, withdrawals, and liquidity settlement.

PRIV

GDPR & Data Shield

EU Privacy Compliance

Compliant

PRIVACY ID: GDPR-EU-991204

KYC PRIVACY: Zero-Knowledge Storage

ENCRYPTION: End-To-End Encrypted

Full compliance with European Union General Data Protection Regulation (GDPR) standards safeguarding user documents.