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Security report for xe.com

Xe · Finance · N/a

Low risk. 2 critical or high findings in GDPR outside view and DNS health.

Security score

80/100

Risk levelLow

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

Xe is a leading global provider of currency exchange rates and international money transfer services, boasting over 30 years of market presence. The company offers a comprehensive suite of services including live currency conversion tools, international transfers to over 190 countries, and a commercial-grade currency data API used by hundreds of companies worldwide. Their platform targets both individual consumers and businesses, providing secure, fast, and convenient financial services with a strong emphasis on user experience and trust. Technically, Xe employs a modern web infrastructure built on Next.js and React, integrating multiple analytics and marketing tools such as Google Tag Manager, Amplitude, and Facebook Pixel. The website is well-optimized for performance, mobile responsiveness, and accessibility, reflecting a mature digital presence. The use of security headers and HTTPS indicates a strong security posture, although explicit security policies and incident response information are not publicly detailed. From a security perspective, the site demonstrates good practices including secure forms, no exposed sensitive data, and comprehensive use of security headers. However, the absence of a public vulnerability disclosure program and security.txt file suggests room for improvement in transparency and incident readiness. Privacy compliance is well addressed with clear privacy and cookie policies, including GDPR adherence. Overall, Xe presents a trustworthy and professional online presence with robust business credibility and technical maturity. The main risk factor is the lack of publicly available WHOIS registration data, which slightly impacts domain trustworthiness assessment. Strategic recommendations include enhancing security transparency, publishing incident response details, and maintaining rigorous third-party script audits to sustain security and compliance standards.

Scanned

NIS2 and GDPR posture

GDPR outside view
73/ 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

2 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 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. DNS health

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

    • High

      Potential Subdomain Takeover

      Subdomain api.xe.com points to unregistered service xedataapiext-132583571.us-east-1.elb.amazonaws.com

      What to do: Remove or fix CNAME record to prevent subdomain takeover

      • WSTG-CONF-10
      • 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 xe.com

This scan found 15 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

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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
95
Security headers
60
Email security
87
DNS health
65
Network security
100
GDPR outside view
73
Average
80

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

Xe operates as a finance sector essential entity specializing in currency exchange and international money transfers. Its business model revolves around providing real-time currency data and transfer services to a global audience, including individuals and enterprises. The company leverages partnerships with major platforms such as Shopify and Xero, enhancing its market reach. Revenue streams likely include transfer fees, API subscriptions, and premium services. The presence of extensive customer reviews and app store ratings indicates strong customer engagement and growth potential. Xe's strategic positioning as a trusted currency data provider to over 300 companies worldwide underscores its competitive advantage and industry influence.

Security posture

Xe exhibits a mature security posture with enforced HTTPS, comprehensive security headers, and secure form handling. No immediate vulnerabilities or exposed sensitive data were detected in the website content. However, the absence of a public security policy, incident response contact channels, and vulnerability disclosure mechanisms indicates gaps in security transparency and incident management readiness. Compliance with GDPR is evident through privacy and cookie policies. The integration of multiple third-party tracking and marketing scripts necessitates ongoing security audits to mitigate supply chain risks. Overall, Xe maintains a strong security foundation but should enhance its public security governance documentation.

Recommendations

  1. Publish a detailed security policy and incident response plan accessible on the website.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear contact information for a Data Protection Officer or security team.
  4. Regularly audit and minimize third-party scripts to reduce potential vulnerabilities.
  5. Enhance user privacy controls and transparency regarding data collection and retention.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Xe
Description
Leading the world in currency conversions and global money transfers for 30+ years. Provides currency exchange rates, international money transfers, currency tools, and a currency data API.
Key services
International money transfers, Currency exchange rates, Currency conversion tools, Currency data API
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, JavaScript, CSS, Google Tag Manager, Amplitude, Taboola, Facebook Pixel, Bing Ads, LinkedIn Insight Tag
Frameworks
Next.js
Platforms
Web, Android, iOS
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Secure forms with proper input handling
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics and tracking

Services
Google Analytics (via GTM), Amplitude
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Taboola, Impact Radius
Tracking pixels
Facebook Pixel, Bing Ads, LinkedIn Insight Tag
Marketing tools
Amplitude
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and interactive tools.
  2. Strong presence of trust indicators including reviews and social media.
  3. Comprehensive service offerings in currency exchange and money transfers.
  4. Use of modern web technologies and analytics tools.
  5. No signs of malicious or suspicious content.
  6. WHOIS data unavailable, limiting domain registration transparency.
Technical notes

Notes

The website is built using modern web technologies including React and Next.js, ensuring fast performance and excellent mobile optimization. Integration with analytics and marketing platforms such as Google Tag Manager, Amplitude, and Facebook Pixel supports data-driven decision-making. The site employs security best practices like HTTPS and security headers. The content is well-structured with comprehensive metadata and JSON-LD structured data enhancing SEO. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting details are not explicitly available. Overall, the technical infrastructure supports a high-quality user experience with scalability and security considerations.
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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