What we review
Authentication isn't just the login page. It's a chain of decisions — registration, verification, session creation, token refresh, recovery, and logout. We test the full chain, because attackers exploit the weakest link.
Login & registration
Credential validation, account enumeration, brute-force protection, and the registration flow that determines what identity claims your system trusts from the start.
Password recovery
The most dangerous flow in any fintech app. We test reset token generation, delivery channel security, token expiration, and whether recovery can be chained into session upgrade or email change.
OTP & 2FA
OTP brute-force resistance, code reuse, timing attacks, delivery fallback paths, and whether 2FA can be bypassed through alternative authentication flows.
Token lifecycle
JWT signing, access token expiration, refresh token rotation, and what happens when a session should be dead but the token is still alive.
Session management
Concurrent session handling, session fixation, privilege changes during active sessions, and whether logout actually invalidates everything it should.
Permission boundaries
Role transitions, privilege escalation paths, and the gap between what the UI shows a user and what the API lets them do.
Session upgrade via password recovery
Password recovery flow issued a fully authenticated session token — without requiring the new password to be set first. An attacker with access to the recovery link could skip password creation entirely and land in the account with full privileges.
How strong is your authentication chain, really?
Get a Quick Security CheckWhy auth reviews need fintech-specific expertise
Generic auth testing checks for OWASP basics. In fintech, the stakes are different. A broken session in a blog platform is an inconvenience. A broken session in a payments app is a direct financial loss — for your users and for your company.
We test with the context of how Nigerian fintech products actually work: BVN-linked identity, mobile-first auth flows, OTP-heavy verification, and the regulatory requirement to protect customer funds and personal data.
Frequently asked questions
Do you test biometric authentication?
We test the server-side handling of biometric auth — how biometric enrollment is tied to device identity, how fallback mechanisms work, and whether biometric bypass paths exist. We don't test the biometric hardware itself.
What about third-party auth providers?
We review how your application integrates with identity providers — Google, Apple, BVN verification services. The handoff between your app and the provider is where configuration mistakes create exploitable gaps.
We use JWTs. Is that enough?
JWTs are a format, not a security guarantee. We check signing algorithm enforcement, token expiration handling, claim validation, and whether your backend actually verifies tokens on every request — not just at login.
How do you test OTP security?
We test OTP generation strength, delivery channel security, brute-force protection, timing attacks, code reuse, and the fallback paths when OTP delivery fails. We also check if OTP can be bypassed entirely through alternative flows.