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Security report for fluid.io

Finance · Iceland

Medium risk. 8 critical or high findings in Email security, Security headers and 2 other checks.

Security score

60/100

Risk levelMedium

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

Fluid is a DeFi financial platform focused on making lending and borrowing easier, safer, and more efficient within decentralized finance. The website presents a modern, professional interface built with Nuxt.js and hosted with Cloudflare DNS services. It offers key services including lending, borrowing, swapping, and a DEX Lite feature, targeting DeFi users and cryptocurrency enthusiasts. The domain is well-established since 2012 but uses privacy protection for registrant details, which is common in the blockchain space. Security posture is adequate with HTTPS enabled but lacks DNSSEC and security headers, and no privacy or cookie policies are published, indicating room for compliance improvements. Overall, the platform appears legitimate and professionally presented but would benefit from enhanced transparency and security best practices.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 100 · High
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

8 findings rated critical or high. Fix these first.

  1. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  2. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  3. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

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

Keep watching fluid.io

This scan found 26 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

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  • 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
69
Security headers
45
Email security
40
DNS health
70
Network security
100
GDPR outside view
35
Average
60

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

Fluid operates in the competitive DeFi sector, providing financial services such as lending, borrowing, and token swapping. Its business model revolves around decentralized finance protocols, targeting crypto users seeking efficient financial operations. The platform is in public beta, indicating a growth phase with potential for market expansion. The use of privacy protection for domain registration aligns with industry norms for blockchain startups. Social media presence on Twitter supports community engagement. The absence of detailed business contact information and policies suggests a startup or early-stage operation focusing on product development and user acquisition.

Security posture

The website employs HTTPS with a valid SSL certificate, ensuring encrypted communications. However, the absence of DNSSEC and security headers like Content-Security-Policy and Strict-Transport-Security reduces defense-in-depth. No forms or inputs were detected that could expose vulnerabilities, and no known vulnerable libraries were identified. The lack of published security policies, incident response contacts, or vulnerability disclosure mechanisms indicates limited transparency in security governance. Overall, the security posture is moderate but could be significantly improved by adopting standard security headers, enabling DNSSEC, and publishing security documentation.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Implement and publish a comprehensive privacy policy and cookie policy to improve GDPR compliance and user trust.
  3. Add standard security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to harden the website against common attacks.
  4. Provide clear contact information including security incident response contacts and consider publishing a vulnerability disclosure or security.txt file.
  5. Regularly audit third-party scripts and dependencies to ensure no vulnerable libraries are included and maintain up-to-date software versions.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Description
Making lending and borrowing on DeFi easier, safer, and more efficient.
Key services
Lending, Borrowing, Swapping, DEX Lite
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Nuxt.js, Cloudflare DNS
Frameworks
Nuxt.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS enabled
  • Domain status clientTransferProhibited

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
moderate

Key observations

  1. Website is a DeFi financial platform offering lending, borrowing, and swapping services.
  2. No privacy, cookie, or terms of service policies found on the homepage HTML.
  3. No contact emails, phone numbers, or physical addresses found in the HTML content.
  4. No forms detected for user data collection on the homepage.
  5. Website uses modern JavaScript framework Nuxt.js and is hosted with Cloudflare DNS.
  6. No security headers detected in the HTML content; SSL is enabled.
  7. Social media links to Twitter accounts @instadapp and @0xfluid found.
  8. No advertising or tracking scripts detected beyond odometer.js for UI.
  9. Content is professional and relevant to DeFi users, with good design and mobile optimization.
  10. No adult or explicit content detected; content is safe for general audiences.
Technical notes

Notes

The website is built using Nuxt.js, a modern Vue.js framework, indicating a contemporary technology stack. It leverages Cloudflare for DNS services, which provides performance and security benefits. The site is mobile optimized with responsive design and good SEO meta tags. Performance is moderate with multiple prefetch and preload directives for scripts and styles. Accessibility is basic with some focus outlines and semantic HTML usage. No CMS was detected, suggesting a custom or static site generation approach. The technical infrastructure is solid but could benefit from enhanced security configurations and more comprehensive accessibility features.
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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