# Simpa Labs

> Security testing for Nigerian fintech applications.

Simpa Labs is a cybersecurity firm specializing in penetration testing and security reviews for fintech companies operating in Nigeria. Founded by Akande Simpa, Lead Security Engineer and Cofounder, the firm is engineering-led — testers are software engineers with offensive security backgrounds, not compliance auditors running automated scanners. We test payment flows, authentication chains, API authorization, and admin surfaces in web and mobile fintech applications.

## Services

- [Penetration Testing](https://www.simpalabs.com/services/penetration-testing): Manual penetration testing scoped to the high-risk flows in fintech products — payments, auth, onboarding, admin tools, and third-party integrations. Engagements typically run 5–10 business days.
- [API Security Testing](https://www.simpalabs.com/services/api-security): Testing API authorization (BOLA/IDOR), rate limiting, data exposure, webhook security, and the endpoint logic that protects real money. Covers REST, GraphQL, gRPC, and WebSocket interfaces.
- [Authentication & Session Security](https://www.simpalabs.com/services/authentication-security): Reviews of login, password recovery, OTP, token lifecycle, session management, and permission boundaries — the full authentication chain where account takeovers originate.
- [Vulnerability Assessment](https://www.simpalabs.com/services/vulnerability-assessment): Ranked, validated mapping of security weaknesses across the full product surface. Every finding includes severity, proof of exploitability, business impact, and an engineering-ready fix.
- [Secure Architecture Review](https://www.simpalabs.com/services/secure-architecture-review): Design-level review of trust boundaries, secret management, integration patterns, and internal surface exposure. Finds the structural weaknesses that cause vulnerabilities, not just the vulnerabilities themselves.

## Industries We Serve

- [Mobile Money Operators](https://www.simpalabs.com/industries/mobile-money): USSD integration testing, agent network privilege escalation, wallet race conditions, and telco/bank integration boundary testing.
- [Payment Gateways](https://www.simpalabs.com/industries/payment-gateway): Webhook spoofing, merchant account isolation, settlement manipulation, and checkout parameter tampering.
- [Digital Banks / Neobanks](https://www.simpalabs.com/industries/digital-banking): Core banking system integration, KYC bypass testing, virtual card provisioning logic, and cross-user data leakage.
- [Lending Platforms](https://www.simpalabs.com/industries/lending-platforms): Credit scoring bypass, disbursement race conditions, repayment manipulation, and customer PII protection.
- [InsurTech](https://www.simpalabs.com/industries/insurance-tech): Claims processing exploitation, premium manipulation, underwriting engine bypass, and agent commission fraud in Nigerian insurance technology platforms.

## Developer Resources

- [Fintech Security Checklist](https://www.simpalabs.com/guides/fintech-security-checklist): Engineering checklist covering authentication, payment logic, API authorization, and third-party integrations specific to Nigerian fintech.
- [OWASP Top 10 for Fintech](https://www.simpalabs.com/guides/owasp-fintech): The OWASP Top 10 translated into specific exploit paths affecting payments and banking in Nigeria.
- [CBN Compliance & Security](https://www.simpalabs.com/guides/cbn-compliance-security): How penetration testing and vulnerability assessments satisfy CBN and NDPC cybersecurity requirements for licensed fintechs.
- [Pentest Pricing Guide](https://www.simpalabs.com/guides/pentest-cost-nigeria): What drives penetration test pricing in Nigeria, how to budget accurately, and what separates manual testing from scanner-generated reports.
- [Security Before Fundraising](https://www.simpalabs.com/guides/security-before-fundraising): How to prepare for investor due diligence with a proactive security assessment. Ideal timeline, what VCs look for, and how to budget relative to your round.
- [After a Breach](https://www.simpalabs.com/guides/after-a-breach): Step-by-step incident response guide for Nigerian fintech teams. Covers containment, investigation, CBN and NDPC notification, customer communication, and preventing recurrence.
- [NDPR/NDPA Compliance](https://www.simpalabs.com/guides/ndpr-ndpa-compliance): How the Nigeria Data Protection Act affects fintechs. What the NDPC expects, how penetration testing satisfies data protection requirements, and what happens when you breach without evidence of prior security testing.
- [Fintech Licensing Security](https://www.simpalabs.com/guides/fintech-licensing-security): Security requirements for CBN fintech licensing — PSSPs, MMOs, switching companies, and MFBs. What to prepare before applying and how to maintain compliance after licensing.
- [Fintech Breach Risk Assessment](https://www.simpalabs.com/guides/fintech-breach-risk-nigeria): How likely is your Nigerian fintech to get hacked? The actual threat landscape, who attacks, the five most common exploit patterns, and what you can do about it.
- [Vulnerability Assessment vs Penetration Testing](https://www.simpalabs.com/guides/vulnerability-assessment-vs-pentest): The definitive comparison for Nigerian fintech CTOs — what each delivers, when you need which, CBN requirements for both, and how they work together.
- [PCI DSS Compliance for Fintechs](https://www.simpalabs.com/guides/pci-dss-fintech-nigeria): PCI DSS security testing requirements for Nigerian fintechs processing card payments — Requirement 11.4 penetration testing, CDE scoping, ASV scans vs manual pentests, and how to satisfy PCI assessors.

## About

- [Why Simpa Labs](https://www.simpalabs.com/why-simpa-labs): How we differ from traditional security consulting — zero false positives, fintech-specific context, engineering-ready fixes, and startup-paced delivery.
- [Our Team](https://www.simpalabs.com/team): Meet Akande Simpa, Lead Security Engineer and Cofounder. Background in building and breaking fintech applications in the Nigerian market.
- [For Startups](https://www.simpalabs.com/for-startups): Scoped security engagements designed for early-stage fintech companies preparing for investor due diligence and CBN licensing.

## Contact

- Email: security@simpalabs.com
- Website: https://www.simpalabs.com