Compliance is one of the largest cost burdens on any company when offering their own embedded finance products. On the Hydrogen no-code platform, we automate the compliance you would need if you signed contracts with sponsor banks, networks, and processors directly. This saves you tens of thousands of dollars per year, and gives you peace of mind when using the Hydrogen platform.

PCI Compliance

Hydrogen is certified as PCI Level 2 compliant, meaning we store debit and credit card data in a secure and compliant manner. Hydrogen passes through this compliance to clients (for any products on the Hydrogen platform only).

SOC 2 Compliance

Hydrogen is certified by a third-party auditor as SOC 2 compliant. There are over 200 strict data, security, and coding controls needed to be SOC 2 compliant. Hydrogen passes through this compliance to clients (for any products on the Hydrogen platform only).

FinCEn and BSA Compliance

Hydrogen has strict KYC/KYB and BSA/AML practices in place, to combat fraud and comply with all U.S. Financial Crimes Enforcement Network (FinCen) regulations. Hydrogen takes on this compliance for our clients (for any products on the Hydrogen platform only).

CCPA and Data Privacy Compliance

Hydrogen complies with the California Consumer Privacy Act (CCPA), along with other U.S. privacy laws, when building the platform and exposing PII. Hydrogen takes on this compliance for our clients (for any products on the Hydrogen platform only).

Banking Compliance

Hydrogen has strict policies in place to comply with the “alphabet” U.S. banking regulations, including Reg B, Reg E, Reg Z, UDAAP, and FCRA. Hydrogen takes on this compliance for our clients (for any products on the Hydrogen platform only).

Crime and Liability Insurance

Hydrogen has multi-million dollar insurance policies covering financial crimes, general liability, cyber liability, and tech errors & omissions. Hydrogen takes on this compliance for our clients (for any products on the Hydrogen platform only).

Disclaimer: Hydrogen includes the above compliance in our no-code applications only. If you create other products outside of the Hydrogen platform, please check with legal counsel on your needed regulatory and compliance certifications. For example, you may offer your own lending platform outside of a Hydrogen debit card no-code application. You will be responsible for all regulatory and compliance needs for the lending platform; Hydrogen's compliance pass-throughs listed above will not cover you for this!