AES-256 & TLS 1.3 encryption
All data is encrypted at rest and in transit using AES-256 and TLS 1.3. Your information is unreadable to anyone without the correct keys.
AES-256TLS 1.3At restIn transit
Security
Your money and data are safe with us
We are a COBAC-regulated cooperative financial institution. Every technical and operational decision starts with security.
Data protection
How we protect your data
Strict access control
Role-based access means staff can only see what they need. All access to financial data is logged and audited.
24/7 monitoring
Automated systems watch every transaction in real time for anomalies, suspicious patterns and potential fraud.
Regular security audits
We conduct scheduled internal and third-party security audits and vulnerability assessments to stay ahead of threats.
Financial security
Your funds are safeguarded
Member funds are held in segregated, regulated accounts entirely separate from Tontiin's operational funds. This means your money is protected even in the unlikely event of a company-level issue.
- Secure API endpoints for all financial transactions
- Real-time transaction monitoring and fraud detection
- Automated reconciliation and full audit trails
- Segregated member funds, never mixed with operating capital
Regulation
Licensed and regulated
Tontiin operates as TONTIIN FINANCE CAMEROUN "TONTIIN COOP-CA", a fully licensed cooperative financial institution supervised by the Ministry of Agriculture and Rural Development of Cameroon.
COBAC banking regulations
Supervised by the Central African Banking Commission (COBAC).
CEMAC AML regulation
Compliant with CEMAC anti-money laundering and counter-terrorism financing rules.
KYC requirements
Know Your Customer identity verification for all members per regulatory requirements.
OHADA Cooperative Act
Compliant with OHADA Uniform Act on Cooperative Societies and Cameroon National Cooperative Law.
How to keep your account safe
- 1Use a strong, unique PIN and never share it
- 2Enable in-app biometric authentication if your phone supports it
- 3Check your transaction history regularly for anything unexpected
- 4Keep your phone number and recovery contact up to date
- 5Report lost or stolen devices to us immediately
Found a security issue?
Responsible disclosure is encouraged. If you discover a vulnerability, please report it to our security team before making it public.
security@tontiin.com
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