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Security report for getcleva.com

Cleva · Finance · United States

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 2 other checks.

Security score

70/100

Risk levelMedium

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

Cleva is a fintech startup founded in 2023 that provides US-based dollar accounts and virtual USD cards to global users, including non-US residents. The company positions itself as a solution for cross-border USD banking, enabling users to receive payments from platforms like Upwork, Deel, and Amazon, convert currencies, and make transfers with low fees. Supported by Y Combinator and featured in reputable media outlets, Cleva demonstrates a growing market presence in the fintech space. The website is built on modern technologies such as React and Next.js, hosted on AWS infrastructure, and optimized for mobile devices with good performance and SEO practices. Security posture is solid with HTTPS and domain protections, though improvements are needed in DNSSEC and security headers. Privacy compliance is weak due to the absence of privacy and cookie policies and lack of consent mechanisms. Overall, the site is professional and trustworthy but should enhance transparency and security policies to improve compliance and user trust.

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

5 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 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. 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.

    • High

      No SPF record found

      SPF helps prevent email spoofing

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

  4. 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 getcleva.com

This scan found 22 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
62
Security headers
70
Email security
55
DNS health
80
Network security
100
GDPR outside view
53
Average
70

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

Cleva targets freelancers, remote workers, and global clients needing USD banking solutions, leveraging a fintech business model focused on account services, virtual cards, and payment facilitation. The company benefits from accelerator backing and media exposure, indicating strong growth potential. Revenue likely derives from transaction fees, currency conversion margins, and card usage. The platform ecosystem includes mobile apps on Android and iOS, enhancing accessibility. Strategic partnerships with financial institutions and payment networks underpin service delivery. The absence of direct contact info on the site suggests a digital-first customer engagement approach. Cleva's competitive advantage lies in seamless USD banking for non-residents with low fees and cashback incentives.

Security posture

The website enforces HTTPS and uses domain status locks to prevent unauthorized domain changes, reflecting good baseline security. However, DNSSEC is not enabled, which could expose DNS spoofing risks. No explicit security headers were detected, which could improve protection against common web attacks. The site lacks published security policies or incident response contacts, limiting transparency. No vulnerabilities or exposed sensitive data were found in the HTML content. Tracking scripts are present without visible user consent, posing privacy compliance risks. Overall, Cleva's security posture is moderate but would benefit from enhanced header policies, DNSSEC, and published security documentation.

Recommendations

  1. Enable DNSSEC on the domain to strengthen DNS security.
  2. Publish comprehensive privacy and cookie policies with GDPR compliance details.
  3. Implement a cookie consent mechanism to comply with privacy regulations.
  4. Add security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  5. Provide clear security policy and incident response contact information on the website.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cleva
Description
Cleva offers US-based dollar accounts for global financial needs, enabling users to receive, hold, and save USD. It provides services such as USD accounts, virtual USD cards, free local transfers, currency conversion, and Cleva Points cashback.
Key services
USD account opening for non-US residents, Virtual USD cards for global transactions, Free local and Cleva-to-Cleva transfers, Currency conversion at competitive rates, Cleva Points cashback rewards
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Google Fonts, AWS DNS, Google Tag Manager, Facebook Pixel, LinkedIn Insight Tag, Google Analytics, Google Ads
Frameworks
Next.js, React
Platforms
Web, Android (via Google Play), iOS (via App Store)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Domain status includes clientDeleteProhibited and clientTransferProhibited
  • No exposed sensitive data detected in HTML

Analytics and tracking

Services
Google Analytics, Facebook Pixel, LinkedIn Insight Tag
Tracking level
moderate
Privacy practices
poor

Advertising

Ad networks
Google Ads
Tracking pixels
Facebook Pixel, LinkedIn Insight Tag
Transparency
good

Site quality

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

Key observations

  1. Website offers fintech services focused on USD banking for global users.
  2. No explicit privacy, cookie, or terms of service policies found on the site.
  3. Strong branding and consistent messaging around cross-border USD banking.
  4. Multiple media features and Y Combinator backing enhance trust.
  5. No direct contact emails or phone numbers found on the main site content.
  6. Use of modern web technologies and good mobile optimization.
  7. Security best practices partially implemented; room for improvement in headers and policy transparency.
  8. Tracking and marketing scripts present without visible consent mechanism.
Technical notes

Notes

The website uses a modern React/Next.js tech stack hosted on AWS, ensuring good performance and scalability. It integrates multiple analytics and marketing tools including Google Analytics, Facebook Pixel, and LinkedIn Insight Tag. The site is well-optimized for mobile devices and uses Google Fonts for typography. No CMS detected, indicating a custom or framework-based build. The domain is registered via Squarespace Domains LLC with standard protections but lacks DNSSEC. The site loads quickly and has clear navigation and branding consistency. Technical risks include missing security headers and lack of DNSSEC, which should be addressed to enhance security posture.
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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