Central Bank of Trinidad and Tobago
Registered E-Money Issuer
CB-G: 181/2025, authorised to provide payment services. Full registration since November 2025.1
SecurityHow we protect
How we protect
your money
How Wam is regulated, how your money is held, and the protections on every account and every card payment.
Face ID or fingerprint
No password to steal
Payment alerts
Cards via Cybersource
Permissions
Regulated in Trinidad and Tobago
What Wam is registered for, and who supervises us.
Trinidad and Tobago Securities and Exchange Commission
Accepted into the virtual asset sandbox
A conditional, time-limited supervisory authorisation for specific virtual asset activities, since June 2026.2
Financial Intelligence Unit of Trinidad and Tobago
Registered for anti-money laundering supervision
Since June 2024. We check who we are dealing with and report suspicious activity, as the law requires.1
Your money
Customer funds kept apart from ours
The money in Wam balances is held in segregation from Wam's own money under the Central Bank's safeguarding rules. It is e-money, not a bank deposit, and Wam is not a bank.3
- Segregated from Wam's operating funds
- Not lent out or used for Wam's own account
- E-money, not a bank deposit
Customer fundsHeld in segregation
Wam operating fundsKept separate
LedgerEvery movement recorded
Your account
Protection on every sign-in and payment
No password to steal
Wam is passwordless. You sign in with a secure link sent to your email.
Face ID or fingerprint
Turn on biometrics and confirm payments with your face or fingerprint.
Your devices, your list
See every device signed in to your account and remove the ones you do not use.
Alerts as it happens
Push notifications for payments are the fastest way to spot anything you do not recognise.
Verified identities
We check the identity of people and businesses, and higher limits need more verification.
Limits that protect you
Monthly limits by verification level keep unauthorised activity contained.
Fraud monitoring
We watch for fraud and sanctions risk and report suspicious activity as the law requires.
Help in the app
Chat with our support team from the app, or email [email protected].
Card payments
Card details stay off our servers
Card payments run on Visa Acceptance Solutions (Cybersource). Taps on a phone are read inside the device's secure hardware, and card numbers typed online are tokenised before they reach us.4
- PCI DSS Level 1 card platform
- 3D Secure on every card top-up
- Embedded checkout keeps card fields in Wam's frame
Visa •••• 4242Tokenised by Cybersource
3D SecureApproved by the cardholder
Wam receivesA transaction reference only
Your data
Encrypted, and locked down
Your information is encrypted when it moves and when it is stored, and our team needs more than a password to reach it.5
Bank partners
Republic Bank
First Citizens
Republic BankFirst CitizensBuilding with
Bridge
BridgeStay safe
Wam staff will not ask for your sign-in link
Not by phone, WhatsApp, email or in person. If someone asks for a sign-in link, a code or access to your phone, it is not us.
Lost your phone?
Contact us in the app from another device or email [email protected], and we will secure your account.
See something you do not recognise?
Tell us straight away with the transaction ID, and remove any device you do not know from your account.
Get a message that seems off?
Do not click links in it. Open the Wam app yourself and check there.
Questions about security?
Our team can walk you through how Wam works and how we protect your account.
Read the docs
Security and privacy, in detail.
Security docsAbout Wam
Who we are and why we built it.
About