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Security report for union54.com

ChitChat · Finance · Zambia

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

73/100

Risk levelMedium

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

ChitChat is a fintech company offering a unique combination of instant messaging integrated with USD wallets and Mastercard debit cards, targeting users who need seamless communication and financial services globally. The platform supports group wallets, global remittances to multiple countries, and offers tiered subscription plans to cater to different user needs. The company is licensed by the Bank of Zambia and issues Mastercard debit cards through Union Fiftyfour Limited, ensuring regulatory compliance and trust. Technically, the website is built on a modern React and Next.js stack, hosted on Amazon AWS, and uses Prismic CMS for content management. The site is well-optimized for mobile devices, has good SEO practices, and integrates Google Tag Manager for analytics. The design is professional and consistent, providing a smooth user experience. From a security perspective, the site enforces HTTPS, uses appropriate domain status locks, and implements standard security headers. However, DNSSEC is not enabled, and there is no visible cookie consent mechanism or published security policy, which are areas for improvement. No vulnerabilities or suspicious activities were detected. Overall, ChitChat presents a credible and professional fintech service with strong business and technical foundations. Strategic improvements in privacy compliance and security transparency would further enhance trust and regulatory adherence.

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. 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

  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 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
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 6 days

      What to do: Renew SSL certificate before expiration

      • NIS2 21(2)(h)
      • IR 2024/2690 9.2(c): Implementing Regulation (EU) 2024/2690, Annex point 9.2(c): Cryptography
      • NIST SC-17: NIST SP 800-53 Rev. 5 SC-17: Public Key Infrastructure Certificates

  3. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • High

      Unregistered MX Record

      MX record points to unregistered domain: nmkkeslwys4fjfcwe2whbzhcv3m7rlwbhl56usuze2zapibkdwtq.mx-verification.google.com

      What to do: Remove or fix MX record pointing to unregistered domain

      • RFC 5321 §5.1
      • NIS2 21(2)(i)
      • IR 2024/2690 12.4: Implementing Regulation (EU) 2024/2690, Annex point 12.4: Asset inventory
      • NIST CM-8: NIST SP 800-53 Rev. 5 CM-8: System Component Inventory

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

Keep watching union54.com

This scan found 21 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

Email alerts on material changes and an exportable JSON history of every change.

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Full report

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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
85
Email security
70
DNS health
65
Network security
100
GDPR outside view
53
Average
73

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

ChitChat positions itself as a niche player in the fintech and messaging hybrid market, focusing on USD wallets and debit cards for global users, especially in Zambia and surrounding regions. Its competitive advantages include Mastercard licensing, Bank of Zambia regulation, and integrated group financial management features. The freemium subscription model with clear pricing tiers supports monetization while attracting a broad user base. The company leverages partnerships with payment processors and app stores to expand reach. Growth indicators include multi-platform availability and a focus on operational efficiency for teams and organizations. The business model emphasizes transparency, competitive fees, and user control over spending, appealing to both individual users and businesses. The partnership ecosystem includes Mastercard and local regulatory bodies, enhancing legitimacy and market acceptance.

Security posture

ChitChat demonstrates a mature security posture with HTTPS enforcement, domain registration protections, and use of modern web frameworks that reduce common vulnerabilities. The presence of security headers and absence of exposed sensitive data indicate good security hygiene. However, the lack of DNSSEC and absence of a public security policy or incident response contact are notable gaps. No vulnerability disclosure program or security.txt file was found, limiting external reporting channels. Compliance with GDPR is implied through the privacy policy, but the missing cookie consent mechanism is a compliance risk. Incident response readiness is unclear due to lack of published information. Overall, the security culture appears sound but could benefit from enhanced transparency and formalized policies.

Recommendations

  1. Enable DNSSEC on the domain to strengthen DNS security and prevent spoofing.
  2. Implement a cookie consent banner to comply with GDPR and other privacy regulations.
  3. Publish a detailed security policy and incident response contact information on the website.
  4. Establish a vulnerability disclosure program or security.txt file to facilitate responsible reporting.
  5. Regularly audit third-party scripts and dependencies to mitigate potential vulnerabilities.

Contact details published on the site

Addresses
Legal name
Union Fiftyfour Limited
Registration number
04/PSB/2018 (Payment System Business License by Bank of Zambia)
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ChitChat
Description
ChitChat is a messaging app integrated with a USD Wallet and USD Debit Cards, enabling users to chat, send money instantly, hold USD, and use debit cards worldwide.
Key services
Instant messaging, USD Wallet, Physical and virtual debit cards, Global remittances, Group wallets and chats
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, Prismic CMS, AWS DNS, Google Tag Manager
Frameworks
React, Next.js
Platforms
Web, iOS, Android
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Domain status includes clientDeleteProhibited, clientTransferProhibited, clientUpdateProhibited
  • No DNSSEC enabled (recommend enabling)
  • No exposed sensitive data in HTML
  • Use of secure cookies and modern JS frameworks

Analytics and tracking

Services
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 professionally designed and well-structured.
  2. Clear business focus on combining messaging with financial services.
  3. Strong trust signals including Mastercard licensing and Bank of Zambia regulation.
  4. Contact information is transparent and complete.
  5. No signs of malicious or suspicious activity.
  6. No cookie consent mechanism detected, which is a compliance gap.
  7. No explicit security policy or incident response information published.
  8. Modern tech stack and good performance observed.
Technical notes

Notes

The website uses a modern React and Next.js framework with server-side rendering, ensuring fast load times and good SEO. Prismic CMS integration allows flexible content management. Hosting on Amazon AWS provides scalable and reliable infrastructure. The site is mobile-optimized with responsive design and accessibility features. Google Tag Manager is used for analytics and marketing tracking. No technical debt or deprecated technologies were detected. Performance is fast, and the site structure is clear and well-organized. Opportunities exist to enhance security by enabling DNSSEC and improving privacy compliance mechanisms.
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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