Licensed / Central Bank of Libya / Est. 2024

Security Architecture

Built for regulated financial operations.

Security is visible architecture across EVO surfaces, not a footer claim. Controls are embedded in user journeys, operator actions, and platform operations.

Auth controlsQR securityRole-based accessMonitoringAvailabilitySupport pathways
EVO operating stack overview
Governance & Regulation

Control ownership is explicit across people, systems, and audits.

Security policy is tied to regulated operations, with clear owners, review cycles, and evidence paths for internal and external assessments.

Regulatory alignment

Policies map to financial-sector obligations and product-specific risk requirements.

Control ownership

Each control has a named owner, operating procedure, and escalation contact.

Audit readiness

Artifacts, logs, and change records are prepared for recurring assessments.

Third-party assurance

Vendors and integration partners are reviewed against risk and continuity criteria.

Authentication & Fraud Controls

Identity, session trust, and fraud decisions work as one model.

User and operator actions move through layered checks that combine authentication, context, behavior signals, and transaction risk scoring.

Multi-factor authentication with OTP enforcement for sensitive actions
Device and session fingerprinting for anomaly detection
Adaptive risk checks by transaction type and amount
Operator approvals for high-risk payment and account actions

QR payment security flow

1Signed payload generated per transaction request
2Wallet validation confirms user and merchant context
3Risk engine score gates authorization decision
4Real-time confirmation and immutable event log

Role-based access controls

Operations analysts
Read-focused monitoring privileges with bounded intervention scope.
Payment supervisors
Approval authority for threshold-based transactions and reversals.
Security administrators
Policy management access with dual-control enforcement for critical changes.
Availability & Operations

Resilience is designed into runbooks, observability, and support routing.

Availability is backed by monitoring, incident choreography, and business continuity pathways tuned for financial service uptime expectations.

99.95%
Platform uptime target
Measured across critical switching and wallet services.
< 5 min
Major incident detection
Signal-based detection and on-call page routing.
24/7
Operational monitoring
Continuous coverage for infrastructure and transaction health.

Support pathways

Institution support desk for regulated partners
Merchant support queue with transaction-priority routing
Internal SRE escalation for platform-impacting incidents
Security escalation lane for suspected abuse or fraud

Availability response model

1
Detect and classify incident severity
Monitoring + on-call analyst
2
Contain impact and route to owning service team
Incident commander
3
Recover service and validate transaction integrity
Platform engineering
4
Publish update and complete post-incident review
Operations governance
Data Protection

Sensitive financial data is segmented, encrypted, and observable.

Data handling enforces least privilege, encryption controls, and traceability from request entry through reporting and archival workflows.

Encryption by default
Data is encrypted in transit and at rest across API, storage, and backup layers.
Tokenized payment data
Sensitive card values are isolated through tokenization and controlled vault access.
Data minimization
Products retain only the fields needed for service operation, compliance, and reconciliation.
Audit trails
Access, policy updates, and transaction-state changes are logged for investigation.

Control matrix

Transport
TLS-enforced API and service communication
Storage
Encrypted databases and managed key lifecycle
Access
RBAC, scoped credentials, and privileged-session controls
Audit
Immutable logs and periodic compliance evidence packs
Incident Response

Response playbooks prioritize speed, containment, and accountability.

A staged incident model coordinates security, operations, and communications teams so regulated partners get reliable updates and clear recovery pathways.

1
Triage
0-15 minutes
Validate severity, impacted services, and immediate risk exposure.
2
Contain
15-45 minutes
Apply traffic controls, access restrictions, and fraud safeguards.
3
Investigate
45-120 minutes
Correlate logs, identify root vectors, and map affected transactions.
4
Recover
As scoped
Restore stable service and validate integrity before full release.
5
Review
Within 72 hours
Publish post-incident analysis, controls update, and follow-up actions.
Trust in Practice

Design with security as a visible product layer.

If your institution needs regulated deployment pathways, EVO can map your product to governance, controls, and operational readiness from day one.