Trust as currency
Your money, crypto, data, and identity are protected by the same bank-grade technologies
Secure Card Payments
We adhere to the Payment Card Industry Data Security Standard (PCI DSS),
ensuring your card details are handled
with the highest level of care.
Protected Online Transactions
3D Secure technology adds
an essential safeguard to every
digital purchase.
Certified Information Security
Our systems align with ISO 27001
and undergo regular independent audits, the latest in December 2024, to uphold robust data protection.
Privacy and Oversight
Fully GDPR compliant and licensed
by the MFSA, we uphold strict standards
for data privacy and regulatory transparency.
Security comes first — always
From the moment you open the app to every transaction you make, Blackcat applies end-to-end protection across systems, devices, and providers.
You stay in control
We meet or exceed the latest international standards
2-Step Verification
Secure every login and payment, even on a new device.
3Ds Authentication
Approve every online payment personally, avoiding the fraud.
Instant Freeze
Block a wallet, pause a card, or adjust limits anytime.
Card Spending Limits
Set custom limits for each card to protect against unauthorized use and control your expenses.
You stay in control
We meet or exceed the latest international standards
Feel safe by design, not just by policy
Security shouldn’t be your responsibility — it should be our default.
At Blackcat, it is.
One infrastructure. Unified protection.
No split between fiat and crypto: everything runs as a single body. Same encryption. Same monitoring. Same audits. One logic.
Your data doesn’t care if it’s euro or BTC — the protection is absolute.
Are my funds safe?
Yes. As an EU-licensed financial institution and the issuer of Blackcat cards, Papaya Ltd must protect customers’ funds. We use a dual model:
- Safeguarding: all client funds are held in segregated accounts at a reputable European credit institution, fully separate from Papaya Ltd’s corporate funds.
- Insurance: Papaya Ltd additionally has an insurance agreement with EU-based Axiom, adding another protection layer so client funds cannot be claimed by creditors even in an insolvency scenario.
What kind of online payment protection technology do you use?
All Blackcat cards support 3D secure card payments for safer online purchases. It’s an authentication protocol that verifies you during online purchases.
Who regulates Blackcat?
Blackcat is issued by Papaya Ltd, an electronic money institution headquartered in Malta. Papaya Ltd is regulated by the Malta Financial Services Authority (MFSA), the sole financial regulator in the country.
Where can I find more details about Papaya Ltd?
You can find more detailed information on the official Papaya financial institution webpage:
https://www.papaya.eu/home.
How does Blackcat ensure the security of my financial data?
We care deeply about protecting your information. Blackcat applies strict security standards and follows EU regulations, including, but not limited to the GDPR, to ensure that your financial data and funds remain safe at all times.
Our Awards
