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Security report for changeinvest.com

xChange AS · Finance · Estonia

Low risk. 1 critical or high finding in SSL/TLS.

Security score

82/100

Risk levelLow

0–100, higher is better. How it is calculated

Change Invest operates as a fintech investment platform offering a unified app for investing in cryptocurrencies, trading stocks, indices, commodities, and CFDs with leverage. The company targets retail investors primarily within the European Economic Area, emphasizing low fees, fast deposits, and regulatory compliance under Estonian and Dutch authorities. The platform boasts over 125,000 verified users and a broad asset offering, positioning itself as a competitive player in the EU fintech market. Technically, the website is built on Webflow CMS and integrates modern analytics and marketing tools such as Google Tag Manager, Facebook Pixel, Segment Analytics, and Adjust SDK. The site is mobile-optimized, fast-loading, and well-structured, providing an excellent user experience. However, some security best practices like explicit security headers are missing, and no incident response or vulnerability disclosure information is publicly available. From a security perspective, the platform enforces HTTPS, uses cold wallets for crypto custody, and provides public proof of reserves, indicating a mature security posture. Cookie consent mechanisms are implemented with opt-in features, supporting GDPR compliance. The absence of WHOIS registration data is a notable concern, potentially indicating privacy protection or data unavailability, which slightly reduces trustworthiness. Overall, Change Invest presents a professional, secure, and compliant fintech service with strong market positioning in the EU. Strategic improvements in transparency around security policies and WHOIS data would enhance trust and compliance further.

Scanned

NIS2 and GDPR posture

GDPR outside view
95/ 100 · Low
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

1 finding rated critical or high. Fix these first.

  1. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching changeinvest.com

This scan found 18 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
72
Security headers
60
Email security
80
DNS health
85
Network security
100
GDPR outside view
95
Average
82

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Change Invest is positioned as a medium-sized fintech company specializing in multi-asset investment and trading services, including crypto, CFDs, and commodities. Its competitive advantages include EU regulatory licenses, a user-friendly app, and a broad asset portfolio. Revenue streams likely derive from trading fees, leverage products, and staking services. The target customer segment is retail investors in the EEA seeking accessible and low-cost investment options. The company maintains a partnership ecosystem with service providers like Adjust for marketing attribution and operates dedicated support and careers portals. Growth indicators include a user base exceeding 125,000 and media recognition from reputable outlets. Strategic observations suggest a focus on compliance, user experience, and expanding asset offerings to maintain market relevance.

Security posture

The security maturity of Change Invest is moderate to high. The platform employs HTTPS encryption, cold wallet storage for cryptocurrencies, and public proof of reserves, which are strong security controls. Cookie consent is managed with opt-in mechanisms, supporting privacy compliance. However, the lack of explicit security headers (e.g., CSP, HSTS) and absence of publicly available vulnerability disclosure or incident response contacts represent gaps in security transparency and readiness. No critical vulnerabilities or exposed sensitive data were detected in the website content. Compliance with EU regulations is evident, but further enhancements in security communication and technical controls are recommended to strengthen the security culture and incident preparedness.

Recommendations

  1. Implement and publish comprehensive security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), X-Frame-Options, and X-XSS-Protection to enhance browser security.
  2. Establish and publicize a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  3. Provide clear incident response contact information, including dedicated security or abuse email addresses, to improve transparency and readiness.
  4. Enhance accessibility features to meet higher standards and improve user inclusivity.
  5. Verify and update WHOIS registration information to improve domain legitimacy and trustworthiness.

Contact details published on the site

Legal name
xChange AS
Registration number
14428150
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
xChange AS
Description
Change is a lighting fast investment app chosen by 125,000 investors. The platform allows investing in crypto and trading stocks, indices, and gold CFDs with leverage and low fees.
Key services
Crypto trading, CFD trading, Commodities trading, Staking, Mobile and web app investment platform
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Facebook Pixel, Segment Analytics, Adjust SDK, jQuery 3.5.1, Webflow CMS, Google Fonts, Finsweet Cookie Consent
Frameworks
Webflow
Platforms
Web, Mobile app (iOS and Android via app links)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Cookie consent with opt-in mechanism
  • Limited leverage to prevent big losses
  • Cold wallet storage for crypto
  • Public proof of reserves

Analytics and tracking

Services
Google Analytics, Segment Analytics, Adjust
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Adjust
Tracking pixels
Facebook Pixel, Segment Analytics
Marketing tools
Segment Analytics, Adjust SDK
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and professional design
  2. Strong regulatory compliance claims with licenses from Estonian FIU and Dutch AFM
  3. Comprehensive privacy and cookie policies with opt-in consent mechanism
  4. Multiple social media and support channels present
  5. No phone numbers or physical addresses explicitly listed on the site
  6. No WHOIS data available, which is unusual and reduces trust
  7. Use of modern analytics and marketing tools with moderate user tracking
  8. No visible security headers detected in HTML source
  9. No vulnerability disclosure or incident response contacts found
Technical notes

Notes

The website leverages a modern technology stack centered around Webflow CMS, integrating multiple third-party analytics and marketing tools such as Google Tag Manager, Facebook Pixel, Segment Analytics, and Adjust SDK. The site is optimized for mobile devices, loads quickly, and uses Google Fonts for typography. JavaScript libraries include jQuery 3.5.1. The infrastructure appears robust with CDN usage for static assets. However, the absence of explicit security headers and incomplete WHOIS data represent technical risks. There is no indication of hosting provider details or server-side technologies from the HTML content. Overall, the technical implementation supports a high-quality user experience but could benefit from enhanced security configurations and transparency.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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