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Security report for moneylion.com

MoneyLion Technologies Inc. · Finance · United States

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

71/100

Risk levelMedium

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

MoneyLion Technologies Inc. operates a leading fintech platform in the United States, providing a comprehensive suite of personal finance products including loans, credit cards, cash advances, banking, investing, and financial education. With over 18 million customers and partnerships with more than 1,200 entities, MoneyLion has established a strong market position as a trusted financial services provider. The website is professionally designed, mobile-optimized, and offers clear navigation and rich content tailored to consumers seeking financial empowerment. Technically, the website leverages modern web technologies such as React and Next.js, ensuring fast performance and good accessibility. The platform integrates video content and lazy loading for enhanced user experience. Security best practices are observed with HTTPS enforcement and multiple security headers, contributing to a robust security posture. Privacy compliance is well addressed with comprehensive privacy and cookie policies, including consent mechanisms aligned with GDPR requirements. The security posture is strong with no evident vulnerabilities or exposed sensitive data. However, the absence of publicly available WHOIS data for the domain introduces some uncertainty regarding domain registration transparency. Despite this, the overall trustworthiness of the business and website remains high based on content quality, business information, and trust indicators. Strategically, MoneyLion should consider enhancing its incident response visibility and establishing a public vulnerability disclosure program to further strengthen security culture and compliance. Continuous monitoring of third-party scripts and maintaining updated certifications will help mitigate emerging risks. Overall, MoneyLion presents a mature fintech digital presence with solid security and privacy foundations.

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 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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching moneylion.com

This scan found 20 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
75
Security headers
30
Email security
85
DNS health
85
Network security
100
GDPR outside view
53
Average
71

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

MoneyLion is positioned as a major player in the fintech sector, focusing on consumer financial products and education. Its competitive advantage lies in the breadth of services offered through a unified platform and a strong mobile app presence. Revenue streams likely include lending interest, fees, membership subscriptions (WOW), and partnerships. The target customer segments are individuals seeking accessible credit, banking, and investment solutions with educational support. Growth indicators include a large user base and extensive partner network. The company maintains strategic partnerships with banking and technology providers to enhance service delivery. Operationally, MoneyLion demonstrates a scalable digital infrastructure supporting rapid content delivery and user engagement.

Security posture

The website exhibits a mature security posture with HTTPS enforced and multiple security headers implemented, reducing common web vulnerabilities. No sensitive data leakage or vulnerable libraries were detected in the analyzed content. Privacy policies and cookie consent mechanisms indicate compliance with data protection regulations. However, the lack of a visible security policy or incident response contact reduces transparency in security governance. The absence of a public vulnerability disclosure channel is a gap that could be addressed to improve security culture and stakeholder trust. Overall, the security measures align well with industry standards for fintech platforms, supporting business continuity and customer trust.

Recommendations

  1. Implement and publicize a formal vulnerability disclosure policy to encourage responsible reporting.
  2. Enhance incident response contact visibility on the website to improve transparency and readiness.
  3. Regularly audit and update third-party scripts and dependencies to mitigate supply chain risks.
  4. Obtain and display recognized security certifications (e.g., ISO 27001) to strengthen trust.
  5. Maintain continuous monitoring and penetration testing to proactively identify and remediate vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
MoneyLion Technologies Inc.
Description
MoneyLion is a financial technology company offering personal loans, credit cards, cash advances, credit building products, banking accounts, investing, and financial education. It serves over 18 million customers and partners with over 1,200 entities.
Key services
Personal Loans, Credit Cards, Cash Advances, Credit Builder Plus, RoarMoney Banking, Managed Investing, High Yield Savings, Auto Loan Refinance, Financial Education
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, JavaScript, CSS, Web Fonts (woff2), Mux Video, Lazy Loading
Frameworks
Next.js
Platforms
Web, Mobile App (iOS and Android)
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Secure cookies
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel
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 fully functional
  2. Strong presence in fintech personal finance sector
  3. Comprehensive product offerings and educational content
  4. Good privacy and cookie policies with consent mechanisms
  5. Clear contact information with phone and email
  6. No signs of adult or questionable content
  7. No WAF or blocking detected
  8. WHOIS data missing, which is unusual but not necessarily malicious
Technical notes

Notes

The website uses a modern React-based framework (Next.js) with server-side rendering for performance optimization. It employs web fonts, lazy loading, and video streaming via Mux, indicating a focus on user experience and efficient content delivery. The site is mobile-optimized with responsive design and accessibility considerations. SEO is supported by comprehensive meta tags and Open Graph data. No CMS was explicitly detected, suggesting a custom or headless architecture. Hosting details are not explicit but likely involve cloud infrastructure given performance and scalability. Technical risks are minimal, though continuous updates and monitoring are recommended to avoid technical debt and security issues.
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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