Skip to the main content.

CRYPTOGRAPHIC SOLUTIONS FOR SECURE, COMPLIANT AND SUSTAINABLE FINTECH

 

Cryptomathic empowers financial innovators with trusted cryptographic solutions that meet the highest standards of security and regulatory compliance, including eIDAS, GDPR, and DORA. 

 

TALK TO AN EXPERT

 

KEY CHALLENGES IN FINTECH TODAY

 

As FinTech continues to evolve at pace, providers face a complex mix of regulatory, technological, and ethical pressures. Key challenges include: 

mandate

Navigating Regulatory Compliance

Staying compliant with fast-evolving regulations such as eIDAS 2.0 and GDPR is critical — yet increasingly difficult across multiple jurisdictions. 

audit

Mitigating Fraud & Security Risks

Digital payments and mobile-first experiences expose new attack surfaces. Preventing fraud, securing data, and maintaining transaction integrity are non-negotiable. 

noun-customer-7375280-029CA5

Meeting Customer Expectations

 FinTech users demand not just speed and convenience, but clear accountability, data privacy, and provable security. 

international

Managing E-Signature Compliance Across Borders

Navigating multi-jurisdictional e-signature and identity laws is essential for seamless digital onboarding and legally binding transaction 

FINTECH SECURITY BACKED BY INDUSTRY STANDARDS

PCI EMVCO OWASP ETSI ENISA PKCS CSC EIDAS-1 CEN COMMON CRITERA-1 OATH SMARTCARD ALLIANCE TCG-1 MICROSOFT NIST OASIS GLOBAL PLATFORM
Group 15871

30+

 years of innovation
Group 15870

20 +

blue chip clients
Group 15869

30+

countries served
Group 15872

30+

industries protected

HOW CRYPTOMATHIC SUPPORTS FINTECH INNOVATION

Cryptomathic helps FinTech providers thrive in a complex, fast-moving landscape by delivering the cryptographic foundation needed for trust, compliance, and innovation. 

CRYPTOGRAPHIC RISK PROTECTION

 

Our proven cryptographic engines and centralized key management solutions protect sensitive data and prevent fraud across digital finance ecosystems. 

HERO02

ROBUST MOBILE APP PROTECTION

 

With Cryptomathic’s Mobile App Security Core (MASC), FinTechs can harden their mobile applications against malware, reverse engineering, and runtime attacks — ensuring secure transactions and safeguarding user trust. 

HERO02

EIDAS-COMPLIANT SOLUTIONS

 

Enable trusted, cross-border digital transactions with eIDAS-qualified electronic signatures and remote signing technologies tailored for FinTech. 

HERO02

SCALABLE PAYMENT PROTECTION

 

Cryptomathic supports real-time, high-throughput payment environments with centralized cryptographic control and policy enforcement. 

HERO02

TAILORED SOLUTIONS FOR FINTECH LEADERS

FinTech innovators operate in a demanding environment where security, speed, and compliance must seamlessly align. Cryptomathic delivers purpose-built cryptographic solutions that help FinTechs launch secure services, scale confidently, and meet global regulatory standards. 

FINTECH SECURITY SOLUTIONS

 

Cryptomathic provides FinTechs with trusted cryptographic infrastructure to secure digital transactions, protect sensitive data, and ensure compliance with global regulations. From mobile-first services to large-scale payment systems, our products are designed to enable secure innovation at scale. 

MOBILE APP SECURITY

Cryptomathic’s Mobile App Security Core (MASC) enables FinTechs to launch and scale mobile apps with confidence, delivering robust protection against tampering, reverse engineering, and runtime attacks — all without impacting performance or user experience.

MASC uses advanced white-box cryptography and code obfuscation to safeguard cryptographic mobile applications. It continuously monitors app integrity, detecting threats such as debugging, hooking, and emulation attempts in real time. Sensitive operations — like PIN entry and transaction signing — remain protected even in hostile environments, giving your users a seamless yet secure mobile experience.

DISCOVER MASC

 

security

SECURE KEY MANAGEMENT

 

Cryptomathic’s CrystalKey 360 gives FinTechs complete, centralized control over cryptographic keys and sensitive data — ensuring regulatory compliance, operational agility, and reduced risk across every environment.

CrystalKey 360 manages the full lifecycle of keys, from secure generation and distribution to automated rotation and revocation. With built-in policy enforcement, role-based access controls, and detailed audit logging, FinTechs can meet strict standards like PCI DSS and GDPR with ease. Whether deployed in the cloud, on-prem, or hybrid architectures, CrystalKey360 scales seamlessly to support growing infrastructure and evolving compliance needs.

DISCOVER CRYSTALKEY 360

KEY M

PAYMENT SECURITY

 

Cryptomathic’s Obsidian provides high-assurance cryptographic services designed to secure payment operations and ensure compliance in demanding FinTech environments.

Obsidian protects critical payment data — including card credentials, PINs, and EMV information — with precision and speed. It enforces centralized cryptographic policies to maintain transaction integrity across systems, while offering full auditability and role-based access controls. With a PCI-compliant architecture and seamless integration into both mobile-first and cloud-native platforms, Obsidian helps FinTechs process payments securely and at scale.

DISCOVER OBSIDIAN

KM

DIGITAL SIGNATURE SOLUTIONS

Cryptomathic’s Signer Solution empowers FinTechs to deliver secure, compliant, and seamless e-signature workflows for everything from customer onboarding to high-value transactions and cross-border agreements.

Built to meet eIDAS requirements, the solution supports Qualified Electronic Signatures, using centralized infrastructure and QSCDs to ensure legal validity and high assurance. It’s designed for multi-country deployments and integrates smoothly with Trust Service Providers (TSPs), enabling FinTechs to scale digital trust while meeting regulatory demands across jurisdictions.

DISCOVER SIGNER

noun-compliance-7493599-8F3C97
TIER 1 BANK front cover banking

Tier 1 European Bank – Mobile Banking App

To meet customer demand, a large European bank launched a feature-rich mobile banking app for their retail customers. 

Read the case study

 

Barclays front cover banking

Barclays' Quantum-Ready Transformation

To prepare for quantum-safe operations and enhance agility, Barclays implemented Crypto Service Gateway (CSG).

Read the case study

 

UBS front cover banking

UBS' Transformation Using Qualified Electronic Signatures 

UBS implemented a QES solution to enable secure digital signing of legally binding documents anytime, anywhere.

Read the case study

 

Discover how Cryptomathic empowers FinTechs to secure digital payments, protect mobile apps, and scale securely with trusted, compliance-ready cryptographic solutions.

  TALK TO SALES

Frequently Asked Questions (FAQs)

 

How does Cryptomathic help FinTech companies secure digital payments? 
Cryptomathic secures digital payments through Obsidian, our payment-grade cryptographic platform. It protects sensitive data such as card details, PINs, and EMV credentials, while enforcing strong policies and ensuring transaction integrity. Combined with centralized key management (CrystalKey360), FinTechs can process high volumes of payments securely and in compliance with PCI DSS. 

Is your e-signature solution eIDAS-compliant? 
Cryptomathic’s digital signature solutions fully support eIDAS-compliant Qualified and Advanced Electronic Signatures. Our centralized and remote signing technologies use Qualified Signature Creation Devices (QSCDs) and integrate with Trust Service Providers (TSPs) to ensure compliance across the EU and other regulated regions. 

How can FinTech startups use Cryptomathic to scale securely? 
FinTech startups can leverage Cryptomathic’s modular cryptographic products — including CrystalKey360 for scalable key management, MASC for mobile app protection, and our e-signature platform — to embed security and compliance from day one. Our solutions grow with you, supporting everything from launches to cross-border expansion with minimal operational overhead. 

Can Cryptomathic help us comply with regulations such as PSD2, eIDAS, or GDPR? 
Cryptomathic’s solutions are built to meet strict regulatory requirements. CrystalKey360 supports GDPR and PCI DSS-compliant key handling. Our signing solutions align with eIDAS  for qualified signing and PSD2 mandates for strong customer authentication (SCA). Our tools also provide detailed audit logs and policy controls to help you prove compliance easily. 

How do you secure digital wallets? 
Cryptomathic protects digital wallets using our Mobile App Security Core (MASC) and secure key management infrastructure. MASC defends wallet apps against reverse engineering, key theft, and runtime attacks using white-box cryptography and real-time threat detection. Meanwhile, CrystalKey360 secures the backend cryptographic keys and operations — ensuring end-to-end protection for digital assets.