Fraud Prevention & Compliance

ShadowPay’s fraud and compliance model is built around a simple, non-negotiable principle:

We track nothing about you — but we still prevent abuse.

Most financial systems today assume “safety” requires harvesting everything: identity, biometrics, spending history, device fingerprints, location, lifetime patterns.

ShadowPay rejects that premise entirely.

Instead, ShadowPay runs on a data-minimized, rules-based system that keeps the network clean without building surveillance profiles on users.

ShadowPay does not:

• store transaction history

• build behavioral shadow profiles

• fingerprint devices

• track IP patterns

• tie identity to card usage

• store merchant-level metadata

We simply don’t want your personal data. And even if someone compromised our systems, there would be nothing meaningful for them to take.