Security
Architecture.

Security is the foundation of everything we build. This document details the technical measures protecting your assets and identity at Luvnos Dynamic Bank.

1. The Sentry System

Every API request to Luvnos passes through our Sentry middleware — a continuous validation layer that authenticates device identity, session integrity, and geographic consistency before any operation is executed.

• Device Fingerprinting: On login, your device is fingerprinted using a SHA-256 hash of your browser user agent, IP address, and screen metrics. This fingerprint is bound to your session token and validated on every subsequent request.
• Fingerprint Mismatch Detection: If the fingerprint on a request does not match the session's stored fingerprint, the session is immediately flagged and sensitive operations are blocked.
• Anomalous Location Protocol: The system compares your current geographic coordinates against your last successful login location using the Haversine formula. If the distance exceeds 500 kilometers, a SOFT_LOCK is triggered, restricting transfers and card operations until cleared.

2. Authentication & Session Management

Luvnos uses JSON Web Tokens (JWT) signed with a cryptographically secure secret for session management. Tokens expire after 24 hours of inactivity.

• Password Hashing: All passwords are hashed using bcrypt with a cost factor of 12 rounds — resistant to brute-force and rainbow table attacks.
• Transaction PIN: A separate 4-digit PIN is required for transfers. This PIN is hashed independently from the login password and verified before each financial operation.
• Session Invalidation: Administrators can terminate any user session instantly through the admin command center. All sessions for a user are terminated upon password reset or account ban.

3. Data Encryption

All data transmitted between your browser and our servers is encrypted using TLS 1.3. Sensitive data at rest is protected as follows:

• Card Security Codes (CVV): Hashed with bcrypt before storage. The raw value is available for one-time reveal only — it is permanently purged after viewing.
• Transaction PIN: Hashed independently with bcrypt. Never stored or transmitted in plaintext.
• Card PANs: Stored in full for operational purposes but masked in all UI displays (showing only the first 4 and last 4 digits).
• Identity Documents: Stored with application-level encryption. Access restricted to authorized compliance personnel only.

4. Access Control & Authorization

Luvnos implements a granular, multi-layered authorization system:

• Tier-Based Access: Account capabilities scale with verification level — from read-only at Entry to full access at Platinum Elite.
• Permission Toggles: Each account has independent switches for login capability, transfer capability, and card usage — allowing precise access management.
• Shadow Ban: A covert restriction mode where transactions appear to process normally to the user but are never committed to the ledger — allowing administrators to contain suspicious accounts without alerting the actor.
• Read-Only Impersonation: Administrators can view a user's dashboard exactly as the user sees it using a time-limited, read-only session token — all actions are logged in the audit trail.

5. Audit Trail

Every administrative action is permanently recorded in the admin audit log with: the acting administrator's ID, the action performed, the exact state before and after the change (captured as JSON metadata), and a precise timestamp. This log is immutable and cannot be modified or deleted.

6. Infrastructure Security

Our infrastructure is designed with defense-in-depth principles:

• Database Integrity: All financial operations are wrapped in atomic database transactions with automatic rollback on failure — preventing partial or inconsistent ledger states.
• Foreign Key Enforcement: All relationships are enforced at the database level with cascade deletion to prevent orphaned records.
• Input Validation: All API inputs are validated for type, length, and format before processing. SQL injection is prevented through parameterized queries.
• CORS Policy: Cross-origin requests are restricted to known, authorized origins.

7. Monitoring & Response

Luvnos maintains continuous monitoring of all system activity:

• Flagged Sessions: Sessions with fingerprint mismatches or location anomalies are automatically flagged for review by the security team.
• Security Alerts: Account holders receive email notifications for: password changes, new device logins, location anomalies, and tier changes.
• Admin Dashboard: The command center provides real-time visibility into active sessions, pending verifications, treasury balance, and flagged activity across the entire platform.

8. Reporting a Vulnerability

If you discover a security vulnerability in Luvnos Dynamic Bank, we request that you report it responsibly. Contact our security team at security@luvnos.com with a detailed description. We commit to acknowledging your report within 24 hours and providing regular updates on our investigation.

Luvnos does not currently operate a public bug bounty program, but we deeply value the contributions of security researchers and will acknowledge responsible disclosures.