- All cash balances are held in custodial trust accounts with CBN-licensed and NDIC-insured institutions.
- AES-256 encryption at rest and TLS 1.3 in transit prevent data sniffing and session interception.
- Biometric tokenization and fraud telemetry flag unauthorized access attempts in real time.
## Custodial Isolation & NDIC Insurance Hive Finance does not treat user deposits as operating liquidity. All customer savings and wallet balances are held in segregated trust accounts with our CBN-licensed banking and custodial partners. Eligible deposits are insured under the Nigeria Deposit Insurance Corporation (NDIC) framework. > Your funds are held in institutional custody, completely insulated from our day-to-day operational accounts. ## Cryptographic Hygiene & Tokenization We never store raw debit card numbers, PINs, or banking passwords on plaintext servers. Card data is tokenized using PCI-DSS Level 1 certified processors. Internal databases employ AES-256 encryption with automated rotation keys. ## Full NDPR Privacy Compliance Your data belongs to you. We strictly comply with the Nigeria Data Protection Regulation (NDPR). We never sell user phone numbers or transaction histories to third-party telemarketers or unauthorized advertising networks.