Strong authentication
Two-factor authentication via TOTP authenticator app, SMS, or passkey. All accounts protected from day one.
Security & Licenses
MSB is licensed and regulated. We take our responsibility to protect your funds and data seriously.
About MSB's Authorisation
MSB is a licensed electronic money institution. We operate under regulatory oversight designed to protect consumers and maintain the integrity of the financial system.
Our licences and registrations are placeholder entries for development purposes. Actual regulatory details will be provided before production launch following legal review and confirmation with the relevant authorities.
Our Regulators
MSB holds (or has applied for) the following licences and registrations:
| Regulator | Jurisdiction | Type | Reference | |-----------|-------------|------|-----------| | Financial Conduct Authority (FCA) | United Kingdom | Electronic Money Institution | [Licence reference — placeholder] | | De Nederlandsche Bank (DNB) | Netherlands / EEA | Electronic Money Institution | [Licence reference — placeholder] |
Security Measures
We use industry-standard security controls to protect your account and funds:
- Strong authentication: Two-factor authentication (2FA) via TOTP, SMS, or passkey is available and encouraged for all accounts.
- Encryption in transit: All communications between your device and MSB use TLS 1.2 or higher.
- Encryption at rest: Sensitive data is encrypted at rest using AES-256.
- Fraud monitoring: Automated transaction monitoring flags unusual activity in real time.
- Penetration testing: We engage independent security firms to conduct regular penetration testing of our systems.
- Vulnerability disclosure: We operate a responsible disclosure programme. Please contact security@msb.com to report any vulnerabilities.
Fund Protection
Customer funds held at MSB are safeguarded in accordance with the Electronic Money Regulations. This means:
- Your funds are held in segregated accounts, separate from MSB's own funds.
- In the unlikely event that MSB were to face financial difficulties, safeguarded funds would be ring-fenced and returned to you.
- Safeguarding applies to all fiat balances. Crypto assets are held in segregated custody wallets.
Report a Security Issue
If you believe you have discovered a security vulnerability in our platform, please contact us at security@msb.com. We will acknowledge receipt within 48 hours and provide a resolution timeline.
This page is a placeholder document for development purposes. Regulatory details, licence numbers, and fund protection mechanisms must be reviewed and confirmed by legal counsel and compliance before production launch.
Our Regulators
Financial Conduct Authority (FCA)
United Kingdom
[Licence reference — placeholder]
De Nederlandsche Bank (DNB)
Netherlands / EEA
[Licence reference — placeholder]
Encryption everywhere
All communications use TLS 1.2 or higher. Sensitive data is encrypted at rest with AES-256.
Fraud monitoring
Automated real-time transaction monitoring flags unusual activity and alerts you immediately.
Penetration testing
Independent security firms conduct regular penetration tests and vulnerability assessments of our systems.
Responsible disclosure
We operate a responsible disclosure programme. Report security issues to security@msb.com.
Your funds are safeguarded
Customer funds held at MSB are safeguarded in accordance with the Electronic Money Regulations. Your money is held in segregated accounts, separate from MSB's own funds.
In the unlikely event that MSB faces financial difficulties, safeguarded funds are ring-fenced and would be returned to you. This protection applies to all fiat currency balances. Crypto assets are held in segregated custody wallets.