Independent cybersecurity, API security, cloud, privacy, AI governance and operational resilience assessments for fintechs, Banking-as-a-Service providers and embedded finance platforms — across every domain where financial data, APIs and regulated operations intersect.
Framework coverage
Our approach
EONTA provides strictly independent assessments — we never implement the controls we evaluate. For fintechs and BaaS providers, this structural independence eliminates conflict of interest and delivers findings that banking partners, investors and regulators can rely on without qualification.
Our cross-framework methodology evaluates fintechs and BaaS platforms across cybersecurity, API security, cloud, privacy, AI governance, third-party risk, ledger integrity and operational resilience, mapping findings to:
Service packages
Each package delivers an independent evaluation, evidence package and remediation roadmap — structured for regulatory submissions, banking partner due diligence, investor review and board governance reporting.
Independent assessment for fintechs, BaaS providers and embedded finance platforms covering cybersecurity, APIs, cloud, privacy, third-party risk, ledger integrity and operational resilience. The flagship evaluation — structured for banking partners, investors and regulators.
Preparation of fintechs and financial technology suppliers for bank procurement, vendor risk management, and institutional due diligence processes — structured to satisfy bank security questionnaires and regulatory vendor qualification requirements.
Specialist security audit of financial APIs for BaaS, embedded finance, Open Finance, payment and banking integration platforms. High-value evaluation for platforms whose core business depends on API integrity.
Assessment of privacy and data protection programmes for fintechs — covering data privacy, ISO 27701, legal bases, biometric data, financial data processing, retention, third-party sharing, consent management, and personal data incident response.
Assessment of governance, risk and compliance of AI systems used in fintechs — particularly in credit scoring, fraud detection, KYC, AML, automated decisioning, chatbots and biometric onboarding. Aligned to ISO 42001 and EU AI Act.
Assessment of operational resilience, business continuity, DRP, backup, incident response and critical third-party dependency management for fintechs and BaaS platforms dependent on cloud, banking partners, payment processors, and external APIs.
Complementary cybersecurity control assessment for financial institutions and technology providers with exposure to critical financial message flows — including indicative alignment to SWIFT CSCF where applicable. Designed as a pre-assessment, complementary evaluation or vendor maturity evidence package.
Who is this for
Payments, lending, credit, Open Finance, embedded finance — any regulated or regulated-adjacent fintech requiring independent cyber assurance for banking partners or investors.
Banking-as-a-Service platforms operating at the intersection of APIs, financial data, multi-tenancy, KYC/AML, ledger and cloud infrastructure.
Financial institutions contracting fintechs as vendors — requiring independent vendor security assessments and bank vendor readiness evaluations.
BCB-regulated payment institutions, PSPs, and Pix participants requiring documented security controls for regulatory examination and partner qualification.
Non-financial companies embedding financial products — requiring independent assurance to satisfy banking partner security due diligence.
Investment funds and venture capital performing cybersecurity due diligence on fintech portfolio companies or acquisition targets.
Why EONTA
EONTA evaluates — never implements. No implementation business to protect, no conflict of interest. The findings are structured for third-party reliance by banking partners, investors and regulators.
Our methodology was developed specifically for fintechs and BaaS — not adapted from enterprise IT. It covers the actual risk surface: APIs, multi-tenancy, ledger, KYC/AML, Open Finance, embedded finance and payment infrastructure.
Deliverables are structured to satisfy bank vendor qualification questionnaires, regulatory procurement requirements, and institutional investor due diligence — not just internal reference documents.
Registered in Ireland (EU regulatory standing) and operating in Brazil (BCB, data privacy, Pix ecosystem) — EONTA assesses both Brazilian regulatory requirements and European obligations in a single engagement where applicable.
Take the next step
A Codema-rated EONTA assessment gives investors, regulators, and partners a standardised, verifiable answer. Define the scope in 30 minutes.
All scoping conversations are confidential. EONTA does not share engagement details with third parties.