Security
Five layers of protection
Your money and identity are protected at every step.
Identity Verification
Three-step process. Phone OTP verifies your number. Government ID scan confirms your legal identity. Biometric face match ensures you are who you say you are. No anonymous users on the platform. Ever.
Peer-to-Peer Payments (Phase 1)
Money moves directly between members using their preferred payment method. Potly tracks and records every transaction but does not hold funds in Phase 1. This eliminates custodial risk entirely at launch.
Fraud Detection
All payment patterns monitored in real time. Unusual activity triggers automatic review. Members may be required to re-verify before their next transaction clears. Suspicious accounts are flagged immediately.
Group Voting for Emergency Actions
No individual — including Potly — can force a payout outside the agreed rotation. Emergency actions require full circle consensus through a group vote. The community controls its own money.
Full Audit Trail
Every transaction, payment, vote, and action logged permanently with timestamp and digital receipt. Accessible by every member at any time. Cannot be deleted or modified. Your records are yours forever.
Coming Soon
Coming in Phase 2
Fully automated escrow-based fund holding
Regulated account infrastructure
Automated disbursement — no manual steps required
Additional licensing and compliance certifications
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