Account Takeover Chain in a Digital Banking Platform
A fast-growing fintech engaged Security Reapers to assess its customer-facing banking platform ahead of a major funding round. Our team chained several individually moderate issues into a full account-takeover capable of compromising any customer account.
Key Findings
Broken Object-Level Authorization (IDOR)
An API endpoint allowed authenticated users to enumerate and modify other customers' profile and contact data by manipulating object identifiers.
Weak Password-Reset Token Generation
Password-reset tokens were predictable, enabling an attacker to forge valid reset links for arbitrary accounts.
Missing Re-Authentication on Email Change
Critical account changes did not require re-authentication, allowing silent takeover once contact data was modified.
Business Impact
Chained together, these flaws allowed full takeover of any customer account — including access to balances, transaction history, and the ability to initiate fraudulent actions. For a regulated financial platform, this represented direct fraud, regulatory, and reputational exposure.
Remediation Process
We provided a prioritized remediation plan: enforce strict object-level authorization, replace token generation with a cryptographically secure scheme, and require step-up authentication for sensitive changes. Our team supported engineering through implementation and validated every fix.
Security Improvements
- All critical findings remediated within the engagement window
- Re-architected authorization layer with centralized access checks
- Successful retest confirmed full closure of the attack chain