The end-to-end encryption strength reaches the military-grade standard. The transport layer adopts the TLS 1.3 protocol (with a key length of 256 bits), and the data encryption uses the AES-256 algorithm. The theoretical cracking would take 10^38 years (with the current computing power). The login credential storage is processed by PBKDF2 iterative hashing (20,000 times of salting), reducing the success rate of brute force attacks to 0.00001%. In the financial industry penetration test in 2024, the xtb login system successfully defended against 99.96% of SQL injection and XSS attacks (the industry average of 95%), reducing the risk of having 83 million account records stolen by three orders of magnitude compared to the jpmorgan Chase data breach incident in 2023.
Biometric authentication covers 98% of smart devices, and the false recognition rate of facial recognition is controlled at 0.0003% (the benchmark of Apple Face ID is 0.001%). Its liveness detection technology requires the verification of 71 facial feature points, combined with 3D depth mapping (with an error of less than 0.1 millimeters), to completely prevent photo/mask deception. The sampling accuracy of the iris scanning mode is 12,400 pixels, and the false acceptance rate (FAR) is only 0.00001% (the standard for Samsung flagship phones is 0.0001%). The deep spoofing attack case cracked by the Brazilian police in 2025 revealed that the failure rate of xtb login using fake biometric features was as high as 99.92%.
The compliance framework is deeply bound to global regulatory requirements. Its identity verification system complies with the “Design privacy” principle in the EU’s GDPR (General Data Protection Regulation), minimizing the collection of user data to only eight essential fields (such as name and ID number), and strictly limiting the storage period to 90 days after account cancellation (the industry-standard period is 7 years). The audit process of ISO 27001 certification is carried out quarterly. Historical records show that there were no data leakage incidents in the past three years, which is better than the benchmark value of 0.7 times per enterprise per year in the financial industry.
The dynamic response system for risk control detects anomalies in real time. When there is a sudden change in the login location (such as jumping from Tokyo to New York within 10 minutes) or concurrent access from multiple devices (>3 terminals), the risk control engine initiates secondary verification within 0.2 seconds and successfully intercepts 99.4% of the database collision attacks in Q1 2025. Users can preset transaction time locks (such as prohibiting login between 3 and 5 a.m.), combined with device fingerprint technology (tracking over 200 parameters), to reduce the probability of unauthorized access to 0.008%. Referring to the Okta authentication system vulnerability in 2024 that led to the leakage of tens of thousands of certificates, xtb’s multi-layer isolation architecture achieves zero exposure of critical data.
The frequency of third-party penetration testing reaches four times a year (the industry annual inspection is only once), and over 1,700 use case tests are carried out by institutions such as KPMG. The 2025 report shows that its Web Application Firewall (WAF) interception efficiency is 99.99%, and the API key adopts the quantum resistance algorithm (NIST standard CRYSTALS-Kyber), even though a quantum computer requires 26 million qubits to crack (the current strongest is only 127 qubits). The disaster recovery system includes backups across four continents. The RPO (Recovery Point Target) is approaching 0 seconds, and the probability of permanent loss of core data is less than 0.0001%.
The proportion of physical security investment of xtb login increased by 12% annually. The Frankfurt data center obtained Tier IV certification (with an average annual failure time of ≤0.4 hours). The false alarm rate of the biometric access control system was < 0.01%, and the temperature and humidity fluctuation control was ±0.5℃/3%RH. In the 2024 Amazon Web Services Frankfurt node fire incident, its off-site disaster recovery mechanism ensured that 99.999% of users could switch seamlessly within milliseconds.
Comprehensive threat model assessment: The compound probability of personal data being stolen throughout the entire chain is 1/230 million, which is significantly better than the average level of 1/8.4 million in the financial industry. According to data from the European Union’s Financial Conduct Authority (FCA), by adopting a multi-dimensional protection system similar to xtb, the annual cost of information leakage risk for users can be reduced by 96% (with the average potential loss per person dropping from 430 to 17).