Is zarpay.app Safe? Security Analysis for ZAR Wallet
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AI Summary
ZAR Wallet is a fintech platform offering a borderless USD wallet service available in over 110 countries. It enables users, particularly in cash-based economies, to convert cash into digital dollars instantly through a network of local merchants (agents). The platform also provides virtual and physical Visa debit cards integrated with Apple Pay and Google Pay, allowing global spending without foreign transaction fees. The business model centers on a 1% platform fee on transactions, targeting underserved populations to accelerate stablecoin adoption. Technically, the website is built on Webflow with modern web technologies including GSAP for animations, Lenis for smooth scrolling, and Facebook Pixel for tracking. The site is mobile optimized, fast loading, and uses HTTPS with CDN hosting via AWS Cloudfront. However, it lacks some security headers and a cookie consent mechanism, which are areas for improvement. From a security perspective, the site enforces HTTPS and avoids exposing sensitive data. There are no visible vulnerabilities or outdated libraries. However, the absence of published security policies and incident response contacts reduces transparency. Privacy compliance is basic, with a privacy policy present but no explicit GDPR compliance or cookie consent. Overall, ZAR Wallet presents a professional and trustworthy fintech service with a clear business focus and modern technical implementation. Strategic improvements in privacy compliance, security policy transparency, and user data protection would 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
ZAR Wallet occupies a niche in the fintech sector by bridging cash economies and digital stablecoins, targeting users in emerging markets who lack traditional banking access. Its agent-based model allows local merchants to facilitate cash-to-digital dollar exchanges, creating new revenue streams for agents and expanding financial inclusion. The platform's integration with global payment networks and mobile wallets positions it competitively for cross-border spending. The company leverages social media for brand presence but could benefit from expanded contact channels and clearer corporate disclosures to strengthen credibility and customer trust.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a moderate security maturity level with HTTPS enforced and no apparent exposure of sensitive information. The use of third-party scripts like Facebook Pixel is managed asynchronously, reducing performance impact. However, the lack of security headers such as Content Security Policy (CSP), HSTS, and X-Frame-Options is a gap. No incident response or vulnerability disclosure policies are published, which limits transparency and preparedness. Privacy compliance is minimal, with no cookie consent mechanism despite tracking usage. Addressing these gaps would improve the security posture and regulatory compliance.
Strategic Recommendations
Priority Actions for Security Improvement
Implement comprehensive security headers including CSP, HSTS, and X-Frame-Options to mitigate common web attacks.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
ZAR Wallet
ZAR is a borderless USD wallet available in 110+ countries, enabling users to save and spend in dollars globally without traditional banking limitations. It bridges the gap between cash-based economies and web3, accelerating stablecoin adoption for underserved populations. The platform facilitates instant cash-to-digital dollar exchanges via local merchants (agents), offers virtual and physical Visa debit cards, and supports Apple Pay and Google Pay. Users can avoid foreign transaction fees and access funds worldwide.
good
consistent
Technical Stack
fast
good
basic
good
Security Assessment
- HTTPS enforced
- No exposed sensitive data in HTML
- Use of Facebook Pixel with async loading
- No visible vulnerable libraries
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with no blocking or WAF challenges.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing
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: 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 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
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 Within 90 Days
MEDIUMSSL certificate expires in 75 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
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
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