Is union54.com Safe? Security Analysis for ChitChat
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AI Summary
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.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
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.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (2)
Phone Numbers (1)
Physical Addresses (1)
Company Registration
Union Fiftyfour Limited
04/PSB/2018 (Payment System Business License by Bank of Zambia)
Security Posture Analysis
Comprehensive Security Assessment
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.
Strategic Recommendations
Priority Actions for Security Improvement
Enable DNSSEC on the domain to strengthen DNS security and prevent spoofing.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
ChitChat
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.
excellent
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- 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 & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and well-structured.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
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
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
No DMARC reporting
LOWDMARC aggregate reports not configured
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
DKIM Selectors Found
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
SSL Certificate Expires Soon
HIGHSSL certificate expires in 6 days
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
Unregistered MX Record
HIGHMX record points to unregistered domain: nmkkeslwys4fjfcwe2whbzhcv3m7rlwbhl56usuze2zapibkdwtq.mx-verification.google.com
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
Domain Registration Details
DNS Records
DNSSEC Status
DNS Performance
⚡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