Is utrust.com Safe? Security Analysis for xMoney
https://utrust.comCheck if utrust.com is a scam or legitimate. Free security scan and reviews.
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SEQ SIA
Lastadijas 12 k-3, Riga, Latvia, LV-1050
Reg. No. 40203410806 • VAT LV40203410806
Support: guard@offseq.com • +371 2256 5353
AI Summary
xMoney is a financial technology company offering a comprehensive payment ecosystem that empowers businesses to accept global payments, manage finances, and issue branded cards. The platform targets merchants and enterpr… Unlock the full Guard report to read the complete analysis.
Detected Technologies
Keep utrust.com under constant watch
Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.
Security drift alerts
Risk score drops, new high-severity issues, and header hardening gaps
Compliance watch
GDPR / NIS2 posture changes with governance evidence snapshots
Infrastructure surface
Unexpected open services, SSL expiry, DNS & email authentication changes
Content & tracker intelligence
Marketing tech shifts, analytics drift, and AI recommendation updates
Cancel anytime. Alerts sent to the contacts you choose. Unlock the full report to view historical timelines and alerts.
Security Headers
5 findings
60/100
GDPR Compliance
2 findings
80/100
NIS2 Compliance
7 findings
25/100
Email Security
4 findings
80/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Snapshot shown below. Unlock the full AI report for complete market insights, audience profiling, and step-by-step recommendations.
Business Intelligence
Market & Strategic Analysis
xMoney operates in the finance and technology sectors, focusing on payment processing and financial management solutions for businesses. Its business model is SaaS and API-driven, targeting startups, SMEs, and enterprises seeking to scale globally. The company demonstrates competitive advantages through licensing, regulatory compliance, and a broad product suite that includes crypto payments and marketplace solutions. Revenue streams likely include transaction fees, subscription billing, and card issuing services. The partnership ecosystem includes major payment networks like VISA and MasterCard, and government entities, indicating strong market credibility. Growth indicators include over 20,000 businesses using their platform and endorsements from notable clients. The company emphasizes innovation, security, and ease of integration to maintain market position.
Security Posture Analysis
Comprehensive Security Assessment
xMoney exhibits a mature security posture with PCI DSS Level 1 certification, AI-powered fraud prevention, and implementation of SCA and 3D Secure 2.0 for transaction security. The use of tokenized cards reduces liability risks. HTTPS is enforced site-wide, and no exposed sensitive data or vulnerable libraries were detected. However, the absence of explicit security headers such as Content-Security-Policy and a security.txt file limits transparency in vulnerability management. Incident response and security policy pages are not publicly available, which could impact readiness and trust. Privacy compliance is strong with GDPR-aligned cookie consent. Overall, the security culture appears robust but could benefit from enhanced public disclosures and header configurations.
Strategic Recommendations
Priority Actions for Security Improvement
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✨Observations
AI-powered comprehensive website and business analysis.
A preview of your strategic observations is visible. Upgrade to unlock the full competitive positioning, trust signals, and branding checklist.
AI-Enhanced Website Analysis
Business Insights
xMoney
xMoney provides a unified financial ecosystem enabling businesses to accept global payments, split transactions, manage finances, and issue cards.
excellent
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- HTTPS enforced
- PCI DSS Level 1 Certified
- Tokenized card data
- SCA & 3D Secure 2.0 implemented
- AI-powered fraud prevention
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and fully functional.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Some header findings are shown. Unlock to see the full checklist, impacted endpoints, and remediation guidance.
Security Headers
HTTP security headers analysis
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing Unlock the full report to read the complete fix.
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended) Unlock the full report to read the complete fix.
Missing Referrer-Policy header
LOWControls referrer information sent with requests Unlock the full report to read the complete fix.
Missing Permissions-Policy header
MEDIUMControls browser features and APIs Unlock the full report to read the complete fix.
Sensitive data may be cached
LOWCache-Control header should include "no-store" for sensitive pages Unlock the full report to read the complete fix.
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
Preview of GDPR checkpoints is visible. Unlock to reveal full evidence, policy excerpts, and DPIA guidance.
GDPR Compliance
Privacy and data protection assessment
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage Unlock the full report to read the complete fix.
No Data Protection Officer mentioned
LOWLarge organizations may need to designate a DPO under GDPR Unlock the full report to read the complete fix.
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
You can see headline NIS2 checks. Upgrade to access the full control mapping, severity breakdown, and remediation plan.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures Unlock the full report to read the complete fix.
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure Unlock the full report to read the complete fix.
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management Unlock the full report to read the complete fix.
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans Unlock the full report to read the complete fix.
No security contact information
HIGHNIS2 requires clear incident reporting channels Unlock the full report to read the complete fix.
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure Unlock the full report to read the complete fix.
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts Unlock the full report to read the complete fix.
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Quick view of email authentication checks is provided. Unlock to uncover full DNS evidence, record diffs, and fix scripts.
Email Security
SPF, DKIM, and DMARC validation
DMARC Partial Enforcement
LOWDMARC only applies to 50% of messages Unlock the full report to read the complete fix.
No BIMI Record
LOWBIMI displays brand logos in email clients Unlock the full report to read the complete fix.
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery Unlock the full report to read the complete fix.
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues Unlock the full report to read the complete fix.
SPF Details
DKIM Selectors Found
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
This is a teaser of the TLS audit. Unlock to view certificate chains, cipher support tables, and remediation steps.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1 Unlock the full report to read the complete fix.
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy Unlock the full report to read the complete fix.
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs Unlock the full report to read the complete fix.
SSL Certificate Expires Soon
HIGHSSL certificate expires in 29 days Unlock the full report to read the complete fix.
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints Unlock the full report to read the complete fix.
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
Unlock the full DNS posture audit to reveal misconfigurations, zone records, and actionable fixes.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain Unlock the full report to read the complete fix.
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found Unlock the full report to read the complete fix.
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
See a glimpse of exposed services. Unlock to access full port inventories, CVE lookups, and mitigation priorities.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports Unlock the full report to read the complete fix.
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Unlock to view the complete technical breakdown, stack fingerprinting, and hardening checklist.
Technical Analysis
Comprehensive security assessment findings
Additional Findings
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