Banking data is the most dangerous honeypot on your platform. IBANs, routing numbers, and Swift codes expose you to severe regulatory liability — and make you a high-value target for breach.
ProntoID removes that risk entirely. Your platform never sees, stores, or transmits a single digit of raw banking PII. Ever.
Every platform that collects an IBAN or a routing number becomes a regulated custodian of financial PII — with all the compliance burden, breach liability, and audit overhead that entails.
Storing raw IBANs and routing numbers creates a concentrated, high-value target. A single breach exposes your entire creator or seller base — with direct financial consequences.
Handling banking PII requires PCI-DSS scoping, AML screening, and often a money transmission licence depending on jurisdiction. The compliance cost scales directly with the data you hold.
Stripe and Wise API keys stored in application code or environment variables are a persistent attack vector. Rotation is manual, error-prone, and rarely done fast enough after an incident.
Remove the banking PII honeypot from your stack entirely. Your database holds only a non-sensitive UUID. There is nothing worth stealing.
A verified user adds their banking details once with ProntoID. That single token works across every platform in the ecosystem — no re-verification, no repeated form fills.
PCI-DSS scoping, AML obligations, and sensitive data audit trails are handled inside ProntoID's certified environment. Your platform inherits the compliance posture without building it.
The Tokenized Proxy model means your platform never forms a sensitive request. ProntoID intercepts, hydrates, and forwards — invisibly, in milliseconds.
The user enters banking details directly into a ProntoID Secure iFrame rendered on your platform. Keystrokes never reach your frontend. Data travels directly from the user's browser to the ProntoID Vault. Your platform receives only a PRNTO_PAY_TOKEN — a non-sensitive UUID.
When a payout is due, your platform sends an API call to the ProntoID Proxy with three fields: the token, the amount, and the currency. No IBAN. No routing number. Authentication is via a restricted Client Secret scoped exclusively to your account.
Inside a secure execution environment, ProntoID performs three operations in sequence: looks up the raw IBAN from the Hardware Security Module, retrieves your gateway API key from the Secret Manager, and hydrates the request — swapping token for IBAN and injecting the gateway credential.
The fully formed sensitive request is forwarded directly to your Payment Gateway (Stripe, Wise, or others) over an mTLS-secured channel from a static IP. The gateway processes the transfer and returns a status to ProntoID, which relays a clean response to your platform.
The Payout Vault is not a software-only solution. Security is enforced at the hardware, network, logic, and access layers simultaneously.
Physical hardware stores all encryption keys. Keys are mathematically non-exportable and invisible to any human operator, including ProntoID's own engineering team. Compromise requires physical access to the HSM itself.
The Payment Gateway is configured to accept traffic exclusively from ProntoID's static IP. All proxy-to-gateway communication is protected by Mutual TLS — both ends present certificates. A stolen credential cannot be replayed from any other origin.
All proxy-level logs are scrubbed in real time. Any digit sequence matching an IBAN, routing number, or API key pattern is replaced with a redacted placeholder before writing to storage. Audit logs confirm the transaction occurred without recording what was transmitted.
Gateway API keys are not resident in application memory. They are fetched from the Secrets Manager at the millisecond of execution and wiped immediately after the outbound call. The attack window for key extraction is measured in microseconds, not minutes.
Any platform with a creator or seller payout flow inherits the same liability. The Payout Vault applies across every vertical.
Content subscription, fan monetisation, and live streaming platforms paying creators globally — without touching a single IBAN.
C2C and B2C marketplaces disbursing seller proceeds across multiple currencies and jurisdictions without becoming regulated financial custodians.
Performance marketing networks processing high-volume commission payouts to thousands of verified partners across multiple geographies.
On-demand labour and freelance marketplaces that need a compliant, scalable payout infrastructure without building a payments division in-house.
By routing payout execution through ProntoID's audited infrastructure, platforms transfer the most burdensome segment of financial compliance to a dedicated custodian — without transferring control of the user relationship or the business logic.
Focus on your core product. Let ProntoID handle the high-stakes security of financial data.
A user adds their banking details once with ProntoID. That single tokenised identity works across every integrated platform, forever.
The same token routes payouts through Stripe, Wise, or any supported gateway — in any currency, to any jurisdiction — without re-onboarding.
Your infrastructure holds no data worth stealing. No PII, no gateway keys, no routing numbers. The liability surface is mathematically reduced to zero.
ProntoID · Secure. Verified. Delivered.
The Payout Vault is available now. Let us walk your engineering team through a sequence diagram and integration estimate — usually under an hour.
No credit card required · Free technical consultation · Integration support included