Trust & Compliance

Security Centre

Verified identity. Live risk scoring. Every action logged.

Trust score

87/100

Verified · Tier 2 · aligned with FINTRAC

87Trust

Clear

Review

06:00

Last sweep

24h

Cadence

Your trust score rewards verified identity, consistent behaviour, and strong device hygiene. Higher trust unlocks higher limits.

Identity verification

Re-run KYC →

  • Government ID

    Canadian passport · MRZ verified

    Verified

  • Liveness & selfie match

    3D face scan · 98.7% match confidence

    Verified

  • Address & SIN

    Verified via Equifax Canada

    Verified

  • Source of funds

    Optional · unlocks Tier 3 limits

    Optional

Limits by tier

Verification-based

  • Tier 1 · Guest

    View-only · 1 disposable card

    $500/day

    $2k / mo

  • Tier 2 · Verified

    Active

    Unlimited virtual cards · Merchant locks · Sentinel AI

    $5,000/day

    $25k / mo

  • Tier 3 · Private

    Higher rails · Concierge review · Priority disputes

    $25,000/day

    $150k / mo

Sentinel Risk Engine

Every transfer is scored in ~90 ms against velocity, geo, device, and merchant baselines.

  • VelocityNormal

    6 txns / hour · well under baseline

  • Geo consistencyNormal

    All charges within Toronto corridor

  • Device trustNormal

    2 known devices · no new sign-ins

  • Merchant integrityWatch

    1 new merchant this week · verified

Compliance review · Clear

Automatic sweep at 06:00. Manual review triggers only on flagged velocity, geo anomaly, or prohibited MCC attempts.

Merchant controls

MCC policy

  • Gambling & wagering

    MCC 7995 · always blocked

    Locked

  • Crypto ATMs

    MCC 6051 · always blocked

    Locked

  • Adult content

    MCC 5967 · user-blockable

  • High-risk international

    Non-FATF jurisdictions

  • Cash advances

    MCC 6010/6011

  • Travel abroad

    Auto-approve with trip mode

Prohibited categories are enforced by Vault policy and cannot be unlocked — this keeps you and the network in line with Canadian AML rules.

Audit trail

Immutable · signed

Every card issue, transfer, freeze, KYC step, and policy change is hash-chained and exportable for disputes.

  1. Disposable card issued

    you

    Trip · Lisbon · limit $500

    Today · 14:020x8f2a…c491

  2. Automatic account review — clear

    sentinel

    24h sweep · velocity, geo, device, MCC all within policy

    Today · 06:000x1b7d…a02f

  3. Load from CIBC ••4402

    you

    +$2,000.00 · Interac verified

    Mon · 08:000x44e0…9d13

  4. Merchant category blocked

    sentinel

    Gambling (MCC 7995) auto-blocked by policy

    Sun · 22:410xa11c…7e08

Need to act?

Freeze a card, review threats, or open a manual dispute.

SentinelConcierge