| Concern | Mitigation | |---------|------------| | | TLS 1.3 for all internal/external calls. | | Data at Rest | AES‑256 encryption for PII in PostgreSQL, encrypted Redis. | | Tokenisation | No VPA or PAN is stored; only a hashed VPA ( SHA‑256 ) for reconciliation. | | PCI‑DSS | Not directly applicable (no card data), but we comply with PCI‑SSP for overall infrastructure. | | RBI Guidelines | Periodic KYC refresh for merchants, mandatory transaction caps ( ₹2 Lakhs per txn for unverified merchants). | | Audit Trail | Immutable logs via AWS CloudTrail + Kafka log compaction. | | Risk Scoring | Real‑time device fingerprint, velocity checks, geo‑IP consistency. | | Dispute Management | Automated ticket generation on “Refund” status; API for seller‑initiated charge‑back. | | Regulatory Reporting | Daily CSV/JSON dumps to RBI’s Transaction Reporting Portal (TRP). |
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