Is payy.link Safe? Security Analysis for Payy — Bank onchain with stablecoins
Check if payy.link is a scam or legitimate. Free security scan and reviews.
AI Summary
Payy.link is a newly launched fintech startup focused on building an onchain consumer banking platform leveraging stablecoins, privacy-preserving blockchain technology, global fiat ramps, and DeFi services accessible via a simple app. The website presents a professional and modern design built on the Framer platform, integrating analytics and marketing tools such as Google Analytics, PostHog, and Twitter Ads. The domain is recently registered in December 2023, consistent with the startup's launch timeline. Security posture is moderate with HTTPS enabled and domain transfer protection, but lacks advanced security headers and published privacy or cookie policies. Contact information and incident response details are not publicly available, which limits transparency and user trust. Overall, the site is functional and well-branded but requires improvements in privacy compliance and security best practices to enhance credibility and regulatory adherence.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Payy targets consumers interested in blockchain-native banking solutions, positioning itself as an innovative player in the fintech space by vertically integrating stablecoins and privacy-focused blockchain technology. The business model revolves around providing a seamless digital money experience with privacy and global fiat access. The presence of investor logos and a dedicated documentation site indicates a structured approach to market entry and developer engagement. However, the lack of explicit contact and compliance information suggests early-stage maturity. The company appears to be small and focused on technology and finance sectors, with growth potential tied to blockchain adoption and DeFi integration.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website employs HTTPS and domain transfer lock, which are positive security indicators. However, it lacks DNSSEC, security headers (such as Content Security Policy, HSTS, X-Frame-Options), and published security policies or incident response contacts. No vulnerability disclosure or security.txt files were found. Analytics and marketing scripts are present, indicating moderate user tracking without clear privacy disclosures. The absence of privacy and cookie policies is a compliance gap, especially under GDPR. Overall, the security posture is moderate but requires enhancements in policy transparency, header implementation, and incident response readiness to reduce risk and build user trust.
Strategic Recommendations
Priority Actions for Security Improvement
Publish comprehensive privacy and cookie policies with GDPR compliance details.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Payy is building onchain consumer banking. We're vertically integrating stablecoins, a privacy-preserving blockchain, global fiat ramps and DeFi — all accessible through a simple app.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enabled
- Domain status clientTransferProhibited
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed with clear blockchain banking focus.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
Sensitive data may be cached
LOWCache-Control header should include "no-store" for sensitive pages
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
No Data Protection Officer mentioned
LOWLarge organizations may need to designate a DPO under GDPR
Privacy policy may not be GDPR compliant
MEDIUMPrivacy policy lacks explicit GDPR compliance elements
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
Critical sector without clear security compliance
HIGHDetected sectors: energy, transport, banking, digital
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No DKIM record found
MEDIUMDKIM adds cryptographic signatures to emails
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
SSL Certificate Expires Within 90 Days
MEDIUMSSL certificate expires in 75 days
Weak SSL Key Length
HIGHSSL certificate uses 256-bit key, which is considered weak
Partial SSL/TLS Assessment
LOWCompleted 2 of 4 security checks due to time constraints
Certificate Details
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
Domain Delete Lock Not Enabled
LOWDomain can be deleted without additional verification
No DMARC Record
MEDIUMDMARC policy not configured
Domain Registration Details
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings