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Security report for galoy.io

Galoy · Finance · N/a

Medium risk. 6 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

64/100

Risk levelMedium

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

Galoy is a fintech company specializing in enterprise-grade Bitcoin-native banking software. Their platform enables financial institutions and enterprises to build scalable, reliable Bitcoin and digital asset financial products, including Bitcoin-backed lending and custodial wallets. The company positions itself as a leader in the Bitcoin banking software space, supported by ISO 27001 certification and a professional digital presence. Technically, the website is built on modern Webflow infrastructure with Google Tag Manager for analytics, demonstrating good digital maturity and performance. Security posture is strong with HTTPS and no exposed sensitive data, though improvements can be made by adding security headers and incident response disclosures. Overall, Galoy presents a trustworthy and professional front with clear business focus and technical competence.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 100 · Medium
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

6 findings rated critical or high. Fix these first.

  1. 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"

    • 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';…
  2. GDPR outside view

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

    • 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

  3. 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 galoy.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
62
Security headers
30
Email security
75
DNS health
65
Network security
100
GDPR outside view
53
Average
64

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 galoy.io, from OffSeq Breach.

Total records
7
Employees
0
Customers
7
Third parties
0
Weak passwords
29%

1 subdomain affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for galoy.io.

Select it in the checkout above.

Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

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

Business context

Business profile

Galoy targets enterprises and financial institutions seeking to leverage Bitcoin and digital assets in their banking products. Their business model centers on providing core banking software and platforms like Lana for Bitcoin loans and Blink Wallet for custodial services. The company benefits from open source contributions and a transparent development approach, enhancing credibility. Their market position is strengthened by ISO 27001 certification and active engagement on social media and developer communities. Revenue streams likely include enterprise software licensing and service agreements. The partnership with Blink Wallet indicates ecosystem integration. Growth indicators include ongoing product development and recruitment efforts.

Security posture

Galoy demonstrates a mature security posture with ISO 27001 certification and HTTPS enforcement. The website does not expose sensitive information and uses modern libraries without known vulnerabilities. However, the absence of security headers such as Content-Security-Policy and lack of publicly available incident response or vulnerability disclosure policies represent gaps. No explicit GDPR cookie consent mechanism was detected, which could be a compliance risk. The company should consider publishing security contact information and implementing cookie consent to enhance privacy compliance and incident readiness. Overall, the security posture is strong but can be improved with better transparency and technical controls.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Add a cookie consent banner/mechanism to comply with GDPR and other privacy regulations.
  3. Publish an incident response policy and provide a dedicated security contact email or page.
  4. Create and maintain a vulnerability disclosure or security.txt file to encourage responsible reporting.
  5. Enhance privacy compliance documentation and data retention policies for analytics and user data.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Galoy
Description
Galoy provides enterprise-grade banking software for the Bitcoin Age, enabling institutions to launch innovative financial products and digital asset services using Bitcoin-native solutions.
Key services
Core banking software, Bitcoin-backed lending platform (Lana), Custodial Bitcoin and Lightning wallet (Blink Wallet), Open source banking infrastructure
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, jQuery 3.5.1, Webflow CMS, Google Fonts (Material Symbols Outlined)
Frameworks
Webflow
Platforms
Webflow hosting
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Services
Google Analytics (via Google Tag Manager)
Tracking level
moderate
Privacy practices
basic

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. WHOIS data is unavailable due to malformed request or privacy protection.
  3. Strong emphasis on Bitcoin-native banking software for enterprises.
  4. ISO 27001 certification prominently displayed as a trust signal.
  5. No phone numbers or physical addresses found on the site.
  6. Contact primarily via email biz@galoy.io.
  7. No cookie consent banner detected despite GDPR relevance.
  8. Use of modern web technologies and good SEO practices.
  9. No visible security headers detected in provided data.
  10. No vulnerability disclosure or incident response info publicly available.
Technical notes

Notes

The website is built using Webflow CMS and hosting, leveraging modern front-end technologies including jQuery and Google Tag Manager. Performance is fast with responsive design and good SEO metadata. The use of Google Fonts and CDN-hosted assets contributes to efficient loading. No CMS vulnerabilities or outdated libraries were detected. The technical stack is well suited for a fintech SaaS provider, though adding security headers and privacy controls would strengthen the technical security posture. The site is mobile optimized and accessible with clear navigation and professional branding.
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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