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Security report for truelayer.com

TrueLayer · Technology · United Kingdom

Low risk. 3 critical or high findings in Security headers and SSL/TLS.

Security score

78/100

Risk levelLow

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

TrueLayer is a leading European open banking platform founded in 2013, providing APIs that enable faster and safer online payments, user onboarding, payment acceptance, and payouts. The company targets businesses and developers in the financial services and payments sectors, positioning itself as a key player in the open banking ecosystem. The website reflects a mature digital presence built on modern technologies such as Gatsby and React, hosted with Cloudflare DNS services, and uses industry-standard iconography and verification mechanisms to establish trust. From a technical perspective, the website demonstrates good performance, mobile optimization, and SEO practices. However, explicit privacy, cookie, and terms of service policies are not found in the provided content, which may impact compliance and user trust. Security posture is generally strong with HTTPS enabled and domain transfer protections, but the absence of DNSSEC and security headers suggests room for improvement. No vulnerability disclosure or incident response information is publicly visible. Overall, TrueLayer's website and domain registration data indicate a legitimate and established business with a professional online presence. The lack of some compliance and security documentation reduces the privacy compliance score but does not critically impact the overall trustworthiness. Strategic enhancements in policy transparency and security headers would further strengthen the company's digital security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 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

3 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. 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

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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
75
Security headers
45
Email security
80
DNS health
80
Network security
100
GDPR outside view
88
Average
78

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

TrueLayer operates in the technology and banking sectors, offering open banking APIs that facilitate payments and financial data access. Its business model revolves around providing a platform for faster and safer online payments, targeting fintech companies, banks, and developers. The company is well positioned in the European market as a leading open banking provider. The website's content and metadata emphasize its role in powering payments and onboarding, indicating a B2B focus. The presence of verification tags from Google, Facebook, and Ahrefs suggests active marketing and SEO efforts. The company appears to have a large size and a mature market presence given its founding year and domain age. No parent or subsidiary companies are identified from the data.

Security posture

The website enforces HTTPS and uses Cloudflare DNS, which provides a solid baseline for security. The domain status clientTransferProhibited prevents unauthorized domain transfers. However, DNSSEC is not enabled, which is a recommended best practice to protect against DNS spoofing. The absence of visible security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options reduces the defense-in-depth posture. No exposed sensitive data or vulnerable libraries were detected in the provided content. The lack of a published security policy, incident response contacts, or vulnerability disclosure program limits transparency and readiness indicators. Overall, the security posture is good but could be improved by implementing additional security headers, enabling DNSSEC, and publishing security-related policies.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Publish clear and accessible privacy and cookie policies to improve compliance and user trust.
  3. Implement and publish a security.txt file or vulnerability disclosure policy to facilitate responsible reporting.
  4. Add security headers such as CSP, HSTS, and X-Frame-Options to strengthen web security.
  5. Provide explicit incident response contact information to improve transparency and readiness.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
TrueLayer
Description
We power faster and safer online payments with our open banking payments network. Onboard users, accept payments & make payouts in seconds.
Key services
Open banking payments network, User onboarding, Payment acceptance, Payouts
Content quality
good
Branding
consistent

Technology

Stack
React, Gatsby 4.25.7, Font Awesome 6, Cloudflare DNS
Frameworks
Gatsby
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enabled
  • Domain status clientTransferProhibited
  • Use of Cloudflare DNS

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Marketing tools
Google site verification, Facebook domain verification, Ahrefs site verification
Transparency
basic

Site quality

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

Key observations

  1. Website uses modern web technologies and frameworks
  2. No explicit privacy, cookie, or terms of service policies found in provided content
  3. No contact emails or phone numbers explicitly found in provided HTML
  4. No security.txt or vulnerability disclosure information found
  5. Domain is well established and not privacy protected
  6. No WAF or blocking mechanisms detected
  7. Good branding and consistent design
  8. Limited visible security headers in provided data
Technical notes

Notes

The website is built using modern web technologies including Gatsby (a React-based static site generator) and Font Awesome for icons. Hosting and DNS are managed via Cloudflare, which typically offers performance and security benefits. The site is mobile optimized with responsive design and good SEO metadata including Open Graph and Twitter Card tags. Performance is likely fast given the static site generation approach. No CMS is detected, indicating a custom or static site architecture. The technical implementation is modern and well executed, though the absence of some security headers and DNSSEC indicates minor technical debt in security configuration.
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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