Reviewed by the BLUE Security Team
How we keep your money safe
Your money is held separately from ours. Every transfer is verified by you. Every connection is encrypted. We explain how below.
security.
6 signalsYour money is held separately from ours
Your money is never mixed with BLUE's money. Your balance is held separately, at our licensed banking partners. If anything happened to BLUE, your money would still be yours.
Strong encryption
Every time you log in or send money, the connection between your phone and our servers is encrypted. We also encrypt sensitive details like your card PIN and your ID document at the storage level. In short: even if someone intercepted the data, they couldn't read it.
Two-factor authentication on every transfer
Every account is protected by two-factor authentication. On mobile, you can use your fingerprint or face to sign in. Every transfer also requires an extra code to confirm — no transfer leaves your wallet without your explicit approval.
Your money is held separately from ours
Your money is never mixed with BLUE's money. Your balance is held separately, at our licensed banking partners. If anything happened to BLUE, your money would still be yours.
100% of customer funds held separatelyStrong encryption
Every time you log in or send money, the connection between your phone and our servers is encrypted. We also encrypt sensitive details like your card PIN and your ID document at the storage level. In short: even if someone intercepted the data, they couldn't read it.
End-to-end encryption. Audited yearly.Two-factor authentication on every transfer
Every account is protected by two-factor authentication. On mobile, you can use your fingerprint or face to sign in. Every transfer also requires an extra code to confirm — no transfer leaves your wallet without your explicit approval.
Two-factor code on every transferIdentity check and fraud monitoring
When you sign up, we ask for an ID and a selfie to confirm you're you. This takes about five minutes. After that, we monitor accounts for unusual activity to keep everyone on the platform safe.
Our systems, monitored 24/7
We run our systems inside private networks with no public internet access to sensitive components. Every change is logged. We monitor activity 24/7. If something unusual happens, our team is on it.
Secure systems. 24/7 monitoring.Licensed partners in every market
BLUE FINANCIAL SERVICES operates through Noah, a licensed EU Electronic Money Institution (noah.com), and a network of regulated payout partners. EUR and USD funding, with payouts across more than 60 destination currencies. We work with licensed banks and payment institutions to ensure compliance with EU payment regulations, UAE Central Bank requirements, and the regulatory rules that apply in each destination market.
Regulated through Noah, a licensed EU EMI · payouts in 60+ currencieshow a transfer moves.
how a transfer moves.
When you confirm a transfer, BLUE sends it to Noah. Noah holds your funds in segregated accounts at licensed European banks. Noah then settles the transfer on stablecoin-native rails — minutes, not days. At the destination, a licensed payout partner in the destination country delivers funds to your recipient, in one of more than 60 supported payout currencies. Each step is logged and auditable. The recipient gets the amount you saw before you confirmed.
Responsible disclosure
We work with the security research community. If you discover a vulnerability, please report it responsibly. We commit to acknowledging reports within 48 hours and working with researchers to resolve issues quickly.
Email our security teamRead deeper
Security FAQ
Detailed answers on fund holding, staff access, device loss, fraud controls, and encryption.
Where is my money held?
Your money is held separately from ours, at our licensed banking partners. If anything happened to BLUE, your money would still be yours.
Can BLUE FINANCIAL SERVICES employees access my account?
No. Our staff can only access customer accounts through a logged, audited process. Even then, they can only see what they need to help you — not your card PIN or password. Those are never stored in a readable form.
What happens if I lose my phone?
Log in from any device with your email and password. You'll get a code to confirm it's you. You can also contact support to immediately freeze your account and cards. Your old device will be signed out automatically.
How do you prevent fraud?
We check every transfer against patterns of fraud in real time. Every transfer also requires you to enter a one-time code. If the same transfer is somehow sent twice, our system catches it and cancels the duplicate.
Is my data shared with third parties?
We only share data with our partners as required to provide our services — such as banking, identity verification, and fraud monitoring. We never sell your data. See our Privacy Policy for full details.
What encryption do you use?
Industry-standard encryption, in two layers: one for the connection between your phone and our servers, and one for sensitive details like your card PIN at rest. Independent auditors check our setup every year.
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