EzTransfer leverages AWS for its cloud infrastructure, ensuring scalability, reliability, and global reach. Key components and security considerations at this layer include:

• Public Endpoints: Utilizes Load Balancers (ELB) and API Gateways for secure, scalable external access.
• Compute Resources: Deploys on Amazon EC2 instances for traditional server workloads and AWS Lambda for event-driven, serverless functions.
• Network Security: Operates within a Virtual Private Cloud (VPC) with granular traffic control via Security Groups and NACLs. DNS management handled by Route53.
• Storage: Employs S3 for object storage and various database services (e.g., RDS, DynamoDB) for transactional data.
• Monitoring & Auditing: Integrates with CloudTrail, GuardDuty, AWS Config, and VPC Flow Logs for comprehensive logging, threat detection, and compliance.

The mobile applications are designed for intuitive user experience while maintaining the highest security standards, addressing aspects such as:

• Secure API Communication: All interactions with the backend occur over secure APIs, enforced by mechanisms like Certificate Pinning to prevent MITM attacks.
• Local Data Protection: Sensitive user data stored on the device is protected using platform-specific secure storage (e.g., Keychains, Shared Preferences).
• Resilience Against Tampering: Measures are in place to resist binary decompilation and reverse engineering, protecting the application's integrity.
• Device State Awareness: Incorporates Root/Jailbreak Detection to mitigate risks from compromised devices.
• Adherence to Standards: Built in compliance with mobile security best practices, notably the OWASP MASVS (Mobile Application Security Verification Standard).

This layer represents the core of EzTransfer's functionality, implemented as robust API and backend services:

• API Endpoints: Provides secure RESTful and/or GraphQL APIs for communication with mobile and potential web clients.
• Authentication & Authorization: Implements strong access controls, including rate limiting and protection against broken authentication and session fixation.
• Business Logic Validation: Crucial for financial transactions, ensuring all payment, KYC, and transfer flows are correctly enforced and resilient to circumvention.
• Input Validation & Encryption: Employs rigorous input validation (e.g., using express-validator) to prevent injection attacks (SQL, NoSQL, XML). All data is encrypted in transit (TLS/HTTPS) and at rest.
• Server Hardening: Backend servers are configured securely to minimize attack surface and prevent unauthorized access to administrative interfaces.

Dedicated to managing user identities and secure access, this layer integrates modern authentication protocols and practices:

• Protocol Usage: Leverages industry-standard protocols like OAuth2 and OpenID Connect for secure identity management.
• MFA Implementation: Supports and enforces Multi-Factor Authentication (MFA) for enhanced user security.
• Credential Management: Implements robust password policies and protects against credential stuffing and other common attacks.
• Token Security: Ensures the secure generation, validation, and lifecycle management of tokens (e.g., JWTs) to prevent exploitation.
• Session Integrity: Focuses on maintaining the integrity and confidentiality of user sessions to prevent hijacking.

EzTransfer's architecture is also designed to facilitate ongoing security assurance and meet regulatory requirements:

• Vulnerability Management: Integrates processes for identifying, classifying (by CVSS score), and tracking security findings based on their severity.
• Risk Assessment: Capabilities to analyze and categorize security risks based on their potential financial, regulatory, and operational impact.
• Regulatory Adherence: Built with consideration for compliance with relevant financial and data privacy regulations such as PCI-DSS, ISO 27001, and GDPR.
• Audit Trails: Comprehensive logging across all layers supports forensic analysis and audit requirements.
• Automated Testing: Implies integration with security testing tools for continuous assessment.