Fintech
Stop API abuse and payment fraud at the earliest signal
Account-takeover via credential stuffing, payment-flow manipulation through compromised API keys, and cloud privilege escalation are the defining threats for payment processors, neobanks, and embedded finance platforms. ManySignal detects all three in a single platform.
2.5x
Higher API attack volume targeting fintech vs traditional banks (Akamai, 2023)
$12.5B
Online payment fraud losses globally in 2023
48 min
Average time from credential compromise to fraudulent transaction
72 hrs
PCI DSS forensic investigation notification requirement
The breach scenario ManySignal was built to stop
- 1
Credential stuffing at 3:00 AM
An automated tool cycles through 280,000 leaked credentials against the mobile banking login endpoint. 340 accounts authenticate successfully.
- 2
Session token harvesting
The attacker harvests valid session tokens and passes them to a second-stage automation layer that enumerates linked bank accounts and payment methods.
- 3
Payment initiation from new device
Within 4 minutes, 12 accounts initiate ACH transfers to new payees — amounts just below the fraud detection threshold.
- 4
ManySignal detection at step 1
ManySignal detects the velocity anomaly at the WAF layer, correlates it with successful auth events, and triggers an automated block rule via the Respond agent before any payment is initiated.
Platform capabilities for fintech
API abuse and payment-flow anomaly detection
Fintech platforms expose payments, lending, and account APIs to partners, merchants, and mobile clients. ManySignal baselines the call patterns, data volumes, and authentication flows for each API key and OAuth client. It detects account-enumerating bots, credential-stuffing automation, and payment-flow manipulation — before transactions clear.
- Per-API-key call rate and endpoint access baselining
- Bot detection via timing, velocity, and User-Agent analysis
- Payment initiation anomalies correlated with identity signals
API abuse and payment-flow anomaly detection
Cloud-native infrastructure monitoring
Fintech companies run cloud-first stacks — AWS, GCP, or Azure — with Kubernetes, serverless functions, and managed databases. ManySignal monitors CloudTrail, GCP Audit Logs, and Azure Activity Logs alongside Kubernetes API server audit logs. It detects privilege escalations in IAM, cryptominer deployments, and data store access outside normal service accounts.
- IAM privilege escalation detection across cloud providers
- Kubernetes pod exec and API server audit monitoring
- Data store access anomalies — S3 bucket listing, RDS bulk queries
Cloud-native infrastructure monitoring
PCI DSS and SOC 2 continuous monitoring
Payment-processing fintechs must maintain PCI DSS compliance. ManySignal maps directly to PCI DSS v4.0 Requirement 10 (logging) and Requirement 12.10 (incident response), and generates evidence packages for QSA assessments. SOC 2 Type II continuous monitoring ensures CC6.1 through CC7.4 have machine-verifiable evidence year-round.
- PCI DSS 10.2.1 log collection coverage report per scope
- SOC 2 CC7.2 and CC7.3 anomaly detection evidence
- QSA-ready evidence export on demand
PCI DSS and SOC 2 continuous monitoring
Fintech security — common questions
Can ManySignal detect credential stuffing attacks against fintech login endpoints?
Yes. ManySignal ingests WAF logs (AWS WAF, Cloudflare, Akamai), application authentication logs, and identity provider events. It identifies credential stuffing by correlating high-volume failed authentications with distributed source IPs, successful logins from new geolocations immediately after failure spikes, and account access patterns inconsistent with the account holder's baseline.
How does ManySignal handle the fast-changing infrastructure of a high-growth fintech?
ManySignal's entity graph dynamically discovers new assets as they appear in cloud provider logs — new EC2 instances, Lambda functions, RDS databases. Auto-tagging applies context from resource tags, VPC placement, and IAM role assignments. The detection engine applies appropriate rules to new resources within minutes of their first log event, without manual configuration.
Does ManySignal support PCI DSS scope segmentation monitoring?
Yes. ManySignal can be configured with your CDE (Cardholder Data Environment) network segments and monitors traffic crossing scope boundaries. Any connection between out-of-scope and in-scope systems triggers an alert. This supports PCI DSS Requirement 1 (network controls) and Requirement 10 (audit logs), and helps maintain segmentation evidence for your QSA.
Can ManySignal monitor our open banking APIs for abuse?
Yes. ManySignal integrates with API gateways (Kong, AWS API Gateway, Apigee, MuleSoft) and ingests request logs including OAuth token identity, endpoint, HTTP method, response code, and latency. It baselines normal patterns per API client and detects data enumeration, rate-limit evasion, and token reuse from unexpected IP ranges.
Does ManySignal have a BAA or specific compliance documentation for regulated fintech lenders under CFPB oversight?
ManySignal can provide a security addendum covering CFPB examination expectations for data security, incident response capabilities, and third-party risk. We support examination readiness by providing system security plans, incident response documentation, and evidence packages aligned to the CFPB's Supervision and Examination Manual.
Demo ManySignal on your fintech stack
Connect your API gateway, cloud provider, and identity logs. We'll demonstrate credential-stuffing detection, API abuse baselining, and PCI DSS evidence export in your first session.