Security
Built to be boring about security.
Wallets run by us, so you never deal with the blockchain. Segregated funds. Audited code. Controls you can actually use. Here is how the Luindy wallet is designed, in enough detail to judge it.
Wallets: created and run by Luindy
Every account gets its own Solana wallet, generated and operated by Luindy. You never touch a blockchain setting. You sign in, and we run everything on-chain on your behalf.
- Sign-in protected by a hardware-backed passkey or biometrics, with two-factor authentication on every new device.
- Wallet infrastructure runs in isolated, access-controlled environments that Luindy staff cannot reach directly.
- Account recovery goes through verified identity, with nothing for you to store or back up.
- Withdrawals above your limit require a second approval from another enrolled device.
Funds: segregated and reconciled
Customer stablecoins are held apart from Luindy's operating funds and are never used for anything other than the products you opt into.
- Wallet balances and lending positions map to on-chain vaults, reconciled continuously.
- Loan collateral sits in dedicated, isolated vaults per loan.
- Proof-of-reserves attestations published after launch and at regular intervals.
- No rehypothecation. Your lent funds back Luindy loans and nothing else.
Code: audited, monitored, bounded
Smart contracts and wallet infrastructure are reviewed by independent auditors before launch and after any material change, and watched around the clock.
- Independent audits with public reports, linked here as they are released.
- Real-time monitoring of on-chain flows with automatic pauses on anomalies.
- Rate limits and circuit breakers on every withdrawal path.
- A public bug bounty for responsible disclosure.
You: controls that fit how you live
The best security is the kind you actually turn on. Every control below takes one tap.
- Optional 24-hour delay on large sends, cancellable from any device.
- Daily send limits you set, raised only after a cooling-off period.
- Notifications for every transaction and every new device.
- Address book with new-address warnings and address-poisoning detection.
Available worldwide
Open to everyone, everywhere.
Luindy runs on a global network, so it works the same in every country. No waiting list by region, no feature gaps by market.
Every country
Anyone aged 18 or over can open an account, wherever they live. Check your country on the supported countries page.
Same product everywhere
Hold, send, lend and borrow work identically in Lagos, Lima and London. Rates and fees do not change by location.
Always-on monitoring
On-chain transaction monitoring and abuse detection protect every account from day one, in every region.
Responsible disclosure
Found something?
If you believe you have found a security issue in anything Luindy runs, tell us privately through the contact form and choose “Security disclosure”. We reply to every report, credit researchers who want credit, and pay bounties for valid findings once the programme is live.
Security questions
Asked often.
Do I need to set up a wallet myself?
No. Luindy creates a Solana wallet for every account and runs it end to end. You sign in with a passkey or biometrics, and Luindy handles everything on the blockchain for you. There is nothing to store, back up or configure.
Are customer funds segregated?
Yes. Customer stablecoins are held in wallets separate from Luindy's operating funds. Balances are reconciled on-chain, and we publish proof-of-reserves attestations after launch.
Has the platform been audited?
Our smart contracts and wallet infrastructure are audited by independent firms before launch and after any material change. Reports will be linked from the Security page as they are published.
Get started
Open your stablecoin account.
It takes a few minutes. Free to hold, no minimum balance, and your wallet is ready as soon as you confirm a few details.