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Bank-Grade Security

Your money is safe
with Tchotcho Pay

We built security into every layer — from the moment you load money to the second it arrives in Haiti. Here's exactly how we protect you.

256-bit
AES Encryption
99.98%
Uptime
$0
Fraud Losses to Date
SOC 2
Compliance (in progress)

5 layers protecting every dollar

Your money passes through 5 independent security layers before it ever moves.

Layer 1 — Identity Verification (KYC)
Every user is verified with a government-issued ID and a live selfie before they can send money. We use AI-powered document scanning to detect fake IDs and match your face to your photo in real time. No anonymous accounts.
Passport / National ID Live Selfie Match Liveness Detection
Layer 2 — Account Security
Your account is protected by a strong password plus biometric login (fingerprint or Face ID). Every login from a new device triggers an SMS verification code. Suspicious login attempts are automatically blocked.
Face ID / Fingerprint SMS 2FA Device Whitelisting Auto Session Timeout
Layer 3 — Encrypted Transmission
Every piece of data between your phone and our servers is encrypted with TLS 1.3 and AES-256 — the same standard used by major banks. Your balance, transaction history, and personal info are never transmitted in plain text.
TLS 1.3 AES-256 Encryption End-to-End for PII
Layer 4 — USDC on Base Blockchain
Your money is held as USDC — a regulated digital dollar issued by Circle (co-founded by Coinbase). Every USDC is backed 1:1 by USD held in reserve. Transfers happen on Base, a blockchain built by Coinbase, providing transparent and immutable transaction records that nobody can alter — not even us.
USDC by Circle 1:1 USD Backed Base by Coinbase Public Ledger
Layer 5 — Real-Time Fraud Monitoring
Our fraud engine monitors every transaction 24/7 for unusual patterns — large transfers, new devices, login from a different country, rapid repeated sends. Suspicious transactions are automatically held for review and you're notified immediately by SMS and email.
24/7 Monitoring AI Fraud Detection Instant Freeze SMS/Email Alerts

Why USDC? Why not regular dollars?

USDC lets us move money faster, cheaper, and more transparently than any traditional bank.

💵 What is USDC?

USDC (USD Coin) is a digital dollar created by Circle, the company co-founded by Coinbase. It is fully regulated by US financial authorities and audited monthly by a major accounting firm (Grant Thornton).

For every 1 USDC in circulation, there is exactly $1 held in a US bank or US Treasury — verified publicly every month. It is not a volatile cryptocurrency like Bitcoin.

⛓️ What is Base blockchain?

Base is a blockchain network built by Coinbase — one of the largest and most trusted crypto companies in the world, publicly traded on NASDAQ.

Base lets us settle transfers in ~2 seconds for a fraction of a cent — compared to 2–5 days and $25+ fees for international bank wires. Every transaction is permanently recorded and publicly verifiable.

The bottom line
Your USDC balance is always equal to US dollars. It cannot lose value due to inflation or devaluation. Holding USDC is safer than holding Haitian gourdes, which lose ~20% of their value per year.

Every security feature, listed

Nothing hidden. Here is everything we do to protect your account and your money.

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Biometric Login
Log in with your fingerprint or Face ID. No one can access your account even if they know your password — they'd need your face or fingerprint too.
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Two-Factor Authentication
Every login from a new device sends a 6-digit code to your phone. Even if someone steals your password, they can't log in without your SIM card.
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PIN for Transfers
A separate 6-digit PIN is required to authorize any money transfer — different from your login password. Two locks, not one.
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Automatic Session Lock
The app automatically locks after 2 minutes of inactivity. If your phone is lost or stolen, no one can access your wallet without your biometrics.
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Instant Freeze Button
See something wrong? Tap "Freeze Account" in the app to instantly block all outgoing transfers in one tap. No hold music, no waiting — instant.
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Real-Time Alerts
Every login, transfer, and balance change sends an instant SMS and email notification. You'll know about any account activity within seconds.
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AES-256 Data Encryption
Your personal information, transaction history, and wallet data are encrypted at rest with AES-256 — the same standard used by the US military and major banks.
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Immutable Transaction Records
Every transfer is permanently recorded on the Base blockchain. These records cannot be deleted, edited, or disputed — your history is tamper-proof forever.
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Geo-Lock Detection
If your account logs in from an unexpected country, we automatically trigger extra verification. Protects you from hackers abroad trying to access your wallet.

We follow the rules — all of them

Tchotcho Pay is built to comply with US financial regulations and international AML/KYC standards.

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FinCEN Registration
Tchotcho Pay is registered as a Money Services Business (MSB) with the US Financial Crimes Enforcement Network (FinCEN). This is required by federal law for all companies that transfer money.
Required by US federal law
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AML / BSA Compliance
We comply with the Bank Secrecy Act (BSA) and have a full Anti-Money Laundering (AML) program. All transactions above $10,000 are automatically reported as required by law.
Bank Secrecy Act compliant
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KYC / OFAC Screening
Every user and every transaction is screened against the OFAC sanctions list. We do not allow accounts from sanctioned countries or individuals on the US Treasury watchlist.
OFAC screening on every transfer
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SOC 2 Type II (In Progress)
We are currently undergoing SOC 2 Type II certification — the gold standard for data security in financial technology. Expected certification Q4 2026.
Certification in progress · Q4 2026
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USDC Reserves Audited Monthly
Circle (the issuer of USDC) publishes monthly audits by Grant Thornton confirming that every USDC in circulation is fully backed by USD held in regulated US financial institutions.
Monthly public audits by Grant Thornton
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State Money Transmitter Licenses
We are in the process of obtaining state-level Money Transmitter Licenses (MTLs) in all required US states. Users will always be informed of our licensing status in their state.
Licensing in progress by state

Platform uptime & status

We track every service in real time. Our goal is 99.99% uptime.

USDC Wallet & Balance
Last checked Jun 25, 2026
Operational
Money Transfers
Last checked Jun 25, 2026
Operational
Bill Pay (EDH, CAMEP, School)
Last checked Jun 25, 2026
Operational
Mobile Top-Up
Last checked Jun 25, 2026
Operational
Agent Cash-Out Network
Last checked Jun 25, 2026
Operational
KYC Verification
Last checked Jun 25, 2026
Operational
90-day uptime history
99.98% uptime

Security questions answered

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Ready to send with confidence?

Your money is protected by 5 security layers, regulated by US law, and backed 1:1 by real US dollars. Join thousands of families sending safely.