Your PIN. Yours alone.
Your PIN is stored only as a one-way hash. We cannot read it, and we will never ask you for it. Transfers, group contributions and withdrawals ask for it again, and repeated wrong attempts lock money movement.
WEALTHO / SECURITYACCOUNT · DATA · MONEY · SYSTEMS
Built to be careful.
With every naira.
Money deserves more care than anything else we build. Here is how Wealtho protects your account, your data and every naira that moves.
Your account
PIN and biometric protection
Your data
Encrypted in storage and transit
Your money
Matching entries for every movement
YOUR ACCOUNT
Only you can
move your money.
Every sensitive step asks for proof that it is really you.
Face ID, and limits you control.
Biometric sign-in releases your PIN from your phone's secure hardware; it never leaves the device. Daily and per-transfer limits are set by you, within what your verification level allows.
YOUR DATA
Protected where it
is stored and sent.
We keep only what we need, and we record who looks at it.
Encrypted at restPersonal details are encrypted with AES-256 before they are stored.
Encrypted in transitEvery connection uses TLS, and the app only trusts named certificate authorities.
Only what is neededFor BVN and NIN checks we keep the result, not the numbers.
Staff access recordedEvery time staff open a customer record, it is logged with who and when.
YOUR MONEY
Every naira
accounted for.
The books behind every balance are built to balance, and to show their working.
Double-entry books.
Every movement is recorded as matching entries. Every balance can be checked against the entries behind it, and any difference is flagged for a person to review, never silently adjusted.
The right person. Paid once.
The app shows the name the receiving bank returns before you confirm. Repeated requests are processed once, and a payment is never refunded while its outcome is still being confirmed.
AOAda OkaforName returned by the bankConfirm →
Check the name. Then pay.
Two people for business payments.
Payments above a set threshold need a second eligible person, and nobody can approve their own request. Staff consoles need a second factor to sign in, and repeated attempts at sign-in and codes are rate limited.
Request
→Review
→Decision
STAYING SAFE
What you
can do.
Never share your PIN or one-time codes＋
Wealtho staff will never ask for them, by phone, email or message.
Check the name before you pay＋
If the name the bank returns is not who you expect, stop.
If you think someone knows your PIN＋
Change it in the app straight away, then contact support and we will lock the account.
Only use official Wealtho sites and apps＋
Use getwealtho.com and our official apps. We will not send you links to sign in.
Found a vulnerability?＋
Email contact@getwealtho.com with the details and steps to reproduce, and read our disclosure policy.