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Security report for swaper.com

Swaper · Finance · N/a

Low risk. 2 critical or high findings in Security headers and SSL/TLS.

Security score

82/100

Risk levelLow

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

Swaper operates as a loan marketplace platform specializing in unsecured consumer loans, offering investors the opportunity to earn up to 16% annually. The platform targets investors interested in peer-to-peer lending and positions itself as a transparent and easy-to-use service within the finance sector. The website content and branding are consistent and professional, supporting a medium-sized business with a mature domain age dating back to 1997. Technically, the website is built on modern web technologies including React and Next.js, hosted likely behind Cloudflare DNS services. It integrates multiple third-party analytics and marketing tools such as Google Analytics, Hotjar, and Zendesk, and employs Cookiebot for GDPR-compliant cookie consent management. The site demonstrates good mobile optimization and SEO practices, although accessibility features are basic. From a security perspective, the site enforces HTTPS with strong security headers and does not expose sensitive data in the HTML content. However, DNSSEC is not enabled, and there is no published security policy or incident response contact information, which are areas for improvement. The WHOIS data indicates a legitimate and consistent domain registration with no privacy protection, appropriate for the business type. Overall, Swaper presents a solid digital presence with good security and privacy compliance, though it could enhance transparency around security policies and incident response. The risk profile is low, with recommendations focusing on DNS security enhancements and formalizing security governance documentation.

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

2 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. 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 swaper.com

This scan found 16 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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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
65
Email security
85
DNS health
85
Network security
100
GDPR outside view
83
Average
82

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

Swaper is positioned as a specialized financial services platform in the peer-to-peer lending market, focusing on unsecured consumer loans. Its business model revolves around connecting investors with loan opportunities, generating revenue likely through fees or interest spreads. The platform's competitive advantage lies in its transparent and user-friendly approach, supported by a mature online presence. The integration of multiple analytics and marketing tools indicates a data-driven approach to customer acquisition and retention. The absence of direct contact information on the main page suggests a digital-first customer engagement model. Strategic partnerships are not explicitly identified in the data, but the use of third-party services like Zendesk and Cookiebot indicates reliance on established SaaS providers for customer support and compliance.

Security posture

The website demonstrates a good security posture with mandatory HTTPS, comprehensive security headers, and a GDPR-compliant cookie consent mechanism. No critical vulnerabilities or exposed sensitive data were detected in the analyzed content. However, the lack of DNSSEC and absence of a published security policy or incident response contacts represent gaps in the security governance framework. The use of reputable third-party services for analytics and customer support is a positive indicator but requires ongoing monitoring for vulnerabilities. Overall, the security maturity is moderate to high, suitable for the business's operational risk profile but with room for formalizing policies and improving DNS security.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Publish a clear security policy and incident response contact information on the website.
  3. Implement a security.txt file to facilitate responsible vulnerability disclosures.
  4. Enhance website accessibility features to meet higher compliance standards.
  5. Regularly audit and update third-party scripts and libraries to mitigate potential vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Swaper
Description
Swaper is a loan marketplace platform offering investments in unsecured consumer loans where investors can earn up to 16% annually. The platform emphasizes simplicity, ease, and transparency.
Key services
Loan marketplace platform, Investment in unsecured consumer loans
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Cloudflare DNS, Google Analytics, Hotjar, Zendesk, Cookiebot
Frameworks
Next.js, React
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • Use of security headers
  • No exposed sensitive data detected

Analytics and tracking

Services
Google Analytics, Hotjar
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Meta Platforms, Inc., Google AdSense
Tracking pixels
Facebook Pixel, Hotjar
Marketing tools
Hotjar, Zendesk
Transparency
good

Site quality

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

Key observations

  1. Website uses HTTPS with good security headers
  2. Comprehensive cookie consent mechanism implemented via Cookiebot
  3. Multiple third-party analytics and marketing tools integrated
  4. No direct contact emails or phone numbers found on main page HTML
  5. No explicit security policy or incident response contacts published
  6. WHOIS data shows domain is well maintained and not privacy protected
  7. Website content is professional and targeted at investors in unsecured loans
Technical notes

Notes

The website is built using modern JavaScript frameworks React and Next.js, indicating a contemporary and scalable technical infrastructure. Hosting appears to leverage Cloudflare DNS services, providing performance and security benefits. The site uses multiple third-party analytics and marketing tools, including Google Analytics, Hotjar, and Facebook Pixel, integrated via asynchronous scripts to optimize performance. Cookiebot is used for cookie consent management, ensuring GDPR compliance. Performance is moderate, with good mobile optimization and SEO practices observed. No CMS was detected, suggesting a custom or proprietary content management approach. Technical risks include the absence of DNSSEC and potential dependency on third-party scripts which require vigilant security management.
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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