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Simpa Labs Fintech security
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Fintech Penetration Testing in Nigeria

Simpa Labs tests fintech mobile apps, APIs, authentication, authorization, cloud systems, and payment flows for exploitable security flaws. We help you prove that customers, partners, and regulators can rely on your fintech. You get all our findings, retest support, and stakeholder-ready reports your team can act on.

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payments auth admin tools api boundaries mobile apps infrastructure

Fintech security consultancy for Nigerian teams

Clear reports your team can act on.

Retest included with every engagement.

Templates available before you book.

OWASP Aligned Top 10 / ASVS
CBN Aware Risk Framework
NDPR / NDPA Data Protection

What you get

Clear output before, during, and after the review.

You should not need to guess what the work looks like. The scope, report format, retest letter, and paperwork are all visible before you book.

01

Report sample

See how issues are written before you pay: evidence, affected flow, impact, fix notes, owner, and retest status.

02

Named consultant

The first page shows who is responsible for the work, what is in scope, review dates, boundaries, and client contacts.

03

Retest

When fixes go live, you get the opportunity for a retest and you learn what passes, what did not, and what still needs another look.

04

Plain English for non-engineers

Founders, finance people, partners, auditors. Most of them will not read a 40-page technical report, and honestly, fair.

What we test

The review follows the money, the users, and the weird edge cases.

01

Penetration Testing

Web, mobile, admin

I walk the flows people actually use: signup, wallet, checkout, account settings, support tools, and the awkward admin bits nobody demos.

02

Mobile App Penetration Testing

Android, iOS, cross-platform

Compiled apps, local storage, deep links, runtime controls, network traffic, and the APIs that decide whether the client can be trusted.

03

Web Application Penetration Testing

UI, server, business logic

Authentication, tenant boundaries, payments, admin tools, integrations, and the server-side checks a browser cannot enforce.

04

Vulnerability Assessment

Short list, no noise

Not a giant export. You get the issues that matter, why they matter, and where your developer should start on Monday morning.

05

Authentication Security

Login, OTP, sessions

Password reset, OTP, device change, refresh tokens, role checks. Boring stuff, until one loose check lets the wrong person in.

06

API Security

Boundaries and leakage

Tenant separation, object access, rate limits, webhooks, partner callbacks, and those tiny ID leaks that turn into serious problems.

07

Secure Architecture Review

Cloud infrastructure

Secrets, logs, cloud permissions, data movement, third-party tools, production access. The foundational decisions that are painful to clean up later.

08

APK to API Reverse Engineering

APK, Postman, Python

The API is inside the app. It is just undocumented. We get it out.

09

Feature to Code Reverse Engineering

Behavior, code, parity

Recover a working feature and rebuild it as clean source code in your chosen stack.

Why Simpa Labs

Direct, and allergic to secrity theatre.

01

Scope in writing

You know who is doing the review, what is included, what is off-limits, and what documents you are getting at each point.

02

Findings engineers can actually fix

Each issue comes with the affected flow, exact evidence, business risk, and fix. No clever-sounding waffle.

03

The whole product, considered as one system not a series of endpoints

Fintech bugs like to hide in business logic. We review the interactions between infrastructure, mobile and web apps, APIs, admin panels, support and third party integrations.

04

Paperwork sorted early

NDA, service terms, SOW, and testing authorization are ready before you hand over access. Less back-and-forth. Better.

The paperwork

Read our templates.

Some teams ask for documents late and then everything drags. No need. These are the blank forms used before access is shared; names, dates, fees, and exact scope only go in after both sides agree.

Provider Simpa Labs
Engagement lead Akande Simpa
Contact security@simpalabs.com
Template preview Testing Authorization and Boundaries
Provider Simpa Labs
Engagement lead Akande Simpa
Client name Added after scope is agreed
Review dates Written before access is shared
Systems listed App, API, mobile flow, admin tool
Safety contact A real person on the client side
Report Sample A complete example: summary, severity counts, findings, test evidence, fix plan, owners, and retest criteria. DOCX Mutual NDA Covers confidential product, technical, business, and security information shared during scoping and delivery. DOCX Service Agreement The basic business terms. Useful before anyone starts sharing access. DOCX Statement of Work What is being reviewed, when, for how much, and what counts as done. DOCX Testing Authorization Permission in writing, with boundaries, hours, contacts, and the no-drama rules. DOCX Data Handling Note How files, evidence, notes, credentials, and screenshots are handled. DOCX Retest Letter A simple confirmation after your team fixes the reported issues. DOCX Invoice / Receipt Billing details and receipt confirmation, kept plain. DOCX

Example findings

Real findings. Sanitized.

Client reports stay private. These examples show the kind of issues that appear in fintech products like yours.

01 anonymized

Password recovery leads account takeover

forgot password -> fresh session -> email change

Each feature looked normal on its own. Put together, the reset flow let an unauthorized user step into an account that was not theirs.

Fix this before launch

02 anonymized

Broken Token invalidation Logic

login -> refresh token -> privileged action

Logout happened, but the token still worked in places it should not. The permission check was absent in places it should not.

Fix in the current sprint

03 anonymized

Customer data Leak in sensitive locations

export file -> logs -> support view

The app was not screaming. That was the problem. Sensitive customer details were sitting in exports, logs, and a support screen any support staff could open.

Clean up before you put customers at risk

How it works

A simple route from review request to verified fixes.

  1. 01

    Quick scope call

    We talk through the product, the deadline and all the details the engagement needs

  2. 02

    Hands-on review

    I work through login, payments, onboarding, admin actions, APIs, mobile flows, and integrations.

  3. 03

    Report and retest

    You get the technical report, an executive report, a fix walkthrough, and a retest after your team patches the discovered flaws.

Industry Intelligence

Featured Fintech Security Guides & Research

Actionable checklists, vulnerability case studies, and compliance playbooks for Nigerian engineering teams.

Contact

Send us your product. We show you all the vulnerabilities before hackers find them.

A short message is enough. Tell us what you want tested, recovered, documented, integrated, or rebuilt. Add the product links, current stack, target stack, and delivery date that matter.

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This form allows us to contact you.

Penetration Testing

We don't just run automated scanners. We perform a brutal, manual penetration test against your live fintech web apps, mobile apps, and backend infrastructure.

What we test

  • Bypassing Maker/Checker authorization flows and role checks
  • Manipulating split-payment values to Paystack or Flutterwave
  • Extracting sensitive PII from unsecured API endpoints
  • Pivoting from low-privileged user accounts to admin panels
Book a Penetration Test View full methodology

Mobile App Penetration Testing

Using jailbroken and rooted devices, we reverse engineer your compiled Swift, Kotlin, or React Native binaries to find the critical flaws that automated AST scanners miss.

What we test

  • Bypassing complex SSL Certificate Pinning using Frida
  • Dumping the iOS Keychain and Android Keystore for hardcoded secrets
  • Identifying exposed API keys in DEX/Mach-O bytecode
  • Exploiting insecure deep links to hijack user sessions
Book a Mobile Pentest View full methodology

Web Application Penetration Testing

We act as malicious users to discover critical business logic flaws, injection vulnerabilities, and broken access controls in your frontend and backend infrastructure.

What we test

  • Broken Object Level Authorization (BOLA/IDOR) in tenant separation
  • Server-Side Request Forgery (SSRF) against internal VPC networks
  • Cross-Site Scripting (XSS) targeting internal admin dashboards
  • Race conditions in wallet funding or withdrawal endpoints
Book a Web Pentest View full methodology

Vulnerability Assessment

A rapid, high-impact assessment to discover the open doors in your external attack surface, ensuring compliance with CBN and NDPA mandates without the fluff.

What we test

  • Unpatched CVEs on public-facing web servers and endpoints
  • Exposed database ports (3306, 5432) and SSH interfaces
  • Misconfigured AWS S3 buckets and cloud storage leaks
  • Weak TLS configurations and expired certificates
Book an Assessment View full methodology

Authentication Security

Authentication is the front door of your fintech app. We stress-test your login flows to ensure attackers cannot hijack user accounts or bypass multi-factor authentication.

What we test

  • Brute-force resilience and OTP rate limiting bypasses
  • JWT signing flaws (e.g., algorithm confusion, RS256 to HS256)
  • Insecure password reset token generation and predictability
  • Session hijacking via missing HttpOnly/Secure cookie flags
Test Your Auth Flow View full methodology

API Security

APIs are the backbone of modern fintech platforms. We hunt for authorization bypasses, rate limiting flaws, and data leakage in your REST and GraphQL endpoints.

What we test

  • Mass Assignment vulnerabilities allowing privilege escalation
  • Unauthenticated endpoints exposing sensitive customer data
  • Webhook replay attacks and signature verification bypasses
  • GraphQL introspection and deep-nested denial-of-service queries
Book an API Audit View full methodology

Secure Architecture Review

Before you scale, we review your AWS, Azure, or GCP infrastructure to ensure Zero Trust, strict network segmentation, and resilient IAM boundaries are implemented correctly.

What we review

  • VPC segmentation and outbound egress filtering
  • IAM role permission boundaries (Least Privilege architecture)
  • Secrets management (HashiCorp Vault, AWS Secrets Manager)
  • Disaster recovery, immutable backups, and logging pipelines
Book an Arch Review View full methodology

APK to API Reverse Engineering

Send us an APK. We turn its actions into working Postman requests or Python methods that run without the app screen.

What you get

  • A Postman collection, Python client, or both
  • Working login, tokens, sessions, and app actions
  • Clear setup steps and examples
  • Tests that compare each result with the APK
Send us your APK View the full service

Feature to Code Reverse Engineering

We capture the feature states, rules, data, integrations, and edge cases before rebuilding it inside your product.

What you get

  • Behavior specification and acceptance matrix
  • Source code in your chosen stack
  • Unit, integration, and end-to-end tests
  • Integration notes and engineering handover
Show us the feature View the full service