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Ovra is a German technology platform. The regulated activities — issuing, custody, settlement — are operated by licensed EU partners. We are the orchestration layer; they are the regulated counterparties.

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Roles

We avoid naming partners in user-facing copy by design — the architecture is visible, the regulated entities are clearly identified to investors and auditors. Public docs say “banking partner” / “card issuer” / “tokenization partner”.

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EU data residency

Every response carries X-Data-Residency: EU. Concretely:
  • Postgres hosted in the EU
  • Banking partner in Berlin (EMI)
  • PostHog product analytics on the EU endpoint
  • All logs and audit events stay in EU infrastructure

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GDPR posture

All PII is automatically redacted by the runtime logger (email, firstName, lastName, phone, address, companyName, dateOfBirth).

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PCI DSS

Card data (PAN, CVV, expiry) is handled exclusively server-side under AES-256-GCM at rest. The agent never sees PAN/CVV in any code path — requireIntent and the credential boundary enforce this architecturally. You do not need PCI DSS certification to integrate Ovra.

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Sacred invariants we enforce

  1. PAN/CVV never leave the server toward agent context.
  2. requireIntent is non-negotiable.
  3. Strict agent-isolation via at_* tokens.
  4. Money-moving POSTs require Idempotency-Key.
  5. Append-only audit and decision logs (PG RULES rewrite UPDATE/DELETE to NOTHING).
  6. All IDs from crypto.randomBytes.
  7. SHA-256-hashed API keys + timingSafeEqual for all secret compares.
  8. Webhooks fail-closed in production; HMAC-signed; SSRF + DNS-rebind block.
  9. EU data residency.

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What we do not claim today

  • No SOC2 yet. Compliance posture (SOC2 Type 2, ISO 27001) is on the post-pre-seed roadmap. Investors and enterprise buyers can request our security questionnaire and DPA.
  • No live mode yet. Sandbox-only through pre-seed. Live with real KYC and SEPA opens in v1.3+.
  • No money-services license at the Ovra entity. We are tech-only; the banking partner holds the license.

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Public-trust pages

For German market compliance, the marketing site exposes:
  • /impressum
  • /datenschutz
  • /agb
A DPA template is available on request via legal@getovra.com.

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Next

Sandbox

What’s simulated vs real today.

Intelligence

Audit log details that satisfy auditors.