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Security report for fnality.com

Fnality International · Finance · United Kingdom

Medium risk. 7 critical or high findings in Email security, Security headers and 1 other check.

Security score

61/100

Risk levelMedium

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

Fnality International is a fintech company pioneering decentralized wholesale payment systems leveraging distributed ledger technology (DLT). Their flagship product, the Sterling Fnality Payment System, is the world's first fully regulated DLT-based payment system, designed to enable real-time, atomic settlement of payments fully backed by central bank funds. The company targets banks and businesses in wholesale financial markets, positioning itself as an innovator with strong backing from 20 leading financial institutions. The website reflects a professional, modern digital presence with excellent content quality and SEO optimization. Technically, the website is built on WordPress with modern technologies including Yoast SEO Premium, Google Tag Manager, and Cookiebot for consent management. Hosting is inferred to be via GoDaddy with domain control nameservers. The site is fast, mobile-optimized, and accessible, with good security posture including HTTPS and domain status protections, though DNSSEC is not enabled. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Security-wise, the site shows good practices but lacks explicit published security policies or incident response contacts. No vulnerabilities or exposed sensitive data were detected. The domain registration details are consistent and trustworthy, supporting the legitimacy of the business. Overall, the website and business demonstrate a mature digital and security posture suitable for a regulated financial technology provider.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 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

7 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

    • High

      No SPF record found

      SPF helps prevent email spoofing

      What to do: Add SPF record: "v=spf1 include:_spf.yourmailprovider.com ~all"

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

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

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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

Keep watching fnality.com

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

€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

Email alerts on material changes and an exportable JSON history of every change.

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Full report

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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
52
Security headers
15
Email security
40
DNS health
75
Network security
100
GDPR outside view
83
Average
61

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention fnality.com, from OffSeq Breach.

No leaked records found

Breach holds no records for fnality.com right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

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

Business context

Business profile

Fnality International operates in the finance sector, focusing on wholesale payments using blockchain technology. Their business model centers on providing decentralized payment systems that enable real-time, peer-to-peer payments with atomic settlement and liquidity optimization. The company benefits from strong partnerships with major global financial institutions, enhancing its market position and credibility. Revenue streams likely include licensing or transaction fees from banks and financial entities using their payment systems. The target customers are banks and businesses requiring efficient wholesale payment solutions. The company shows growth potential through innovation and regulatory compliance, with a clear global vision and presence at industry events like Sibos.

Security posture

The website demonstrates a good security maturity level with HTTPS enforced, domain status protections enabled, and cookie consent mechanisms in place. No critical vulnerabilities or exposed sensitive data were found. However, the absence of a published security policy, incident response contacts, or vulnerability disclosure program indicates room for improvement in transparency and readiness. GDPR compliance is evident through privacy and cookie policies. The security culture appears professional but could be enhanced by publishing more explicit security governance documents and enabling DNSSEC to strengthen DNS security.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS security and prevent spoofing.
  2. Publish a dedicated security policy page outlining security practices and compliance.
  3. Add incident response contact information such as security@ or abuse@ email addresses.
  4. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  5. Explicitly configure and verify security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.

Contact details published on the site

Addresses
Legal name
Fnality International
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Fnality International
Description
Fnality is defining the future of payments for banks and businesses, fully backed by funds held at central bank.
Key services
Decentralized payment systems, Real-time peer-to-peer payments, Atomic settlement, Intraday liquidity optimisation, Interoperability with legacy and DLT systems
Content quality
excellent
Branding
consistent

Technology

Stack
WordPress, Yoast SEO Premium, Google Tag Manager, Cookiebot, SVG icons, Modern CSS and JS bundling
Frameworks
WordPress
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
excellent

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of clientDeleteProhibited and other domain status flags
  • Cookie consent mechanism implemented
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Cookiebot
Marketing tools
Yoast SEO Premium, Cookiebot
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is focused on decentralized wholesale payment systems leveraging blockchain technology.
  3. Strong emphasis on regulatory compliance and backing by central banks.
  4. No signs of malicious or suspicious content.
  5. Use of modern web technologies and SEO best practices.
  6. Presence of cookie consent and privacy policy indicates GDPR awareness.
  7. No direct contact emails or phone numbers found; contact via form and physical address only.
  8. No explicit security or incident response policies published.
  9. No terms of service page detected.
Technical notes

Notes

The website is built on a modern WordPress platform with professional theming and SEO optimization via Yoast SEO Premium. It uses Google Tag Manager and Cookiebot for analytics and consent management, indicating a mature digital marketing infrastructure. Hosting is likely via GoDaddy, consistent with WHOIS data. The site loads quickly, is mobile responsive, and accessible. There is no indication of technical debt or outdated libraries. The use of SVG icons and preloaded fonts shows attention to performance and user experience. Overall, the technical implementation supports the business goals effectively with minimal risk.
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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