One Integration, One Attack Surface: How Orchestration Shrinks Your Security Footprint

TL;DR

• Quiltt is SOC 2 Type 2 compliant and undergoes regular third-party audits.
• Quiltt encrypts financial data in transit with TLS and at rest with AES-256, so data stays protected at every stage of the flow.
• One vetted Quiltt integration replaces direct connections to multiple aggregators, shrinking the credential surface you have to secure and review.

SOC 2 Type 2 Compliance

A SOC 2 Type 2 report is the strongest signal that Quiltt's security controls work in practice, not just on paper. A Type 1 report describes whether controls exist at a single point in time. A Type 2 report goes further. An independent auditor observes those controls operating across months and confirms they hold up under real conditions. For a builder evaluating Quiltt, that distinction matters more than any feature list, since it answers whether controls are maintained or merely documented.

Our report covers four Trust Services Criteria: Security, Availability, Processing Integrity, and Confidentiality. These are the areas that matter most when financial data is moving through an integration. Each criterion is tested against evidence, not assertion. You can request the full report during a security review and share it directly with your procurement or compliance team.

Data Encryption and Tokenization

Quiltt encrypts financial data both while it moves and while it sits at rest, so a single intercepted connection or compromised disk reveals nothing usable. Every API call rides over TLS 1.2 or higher, which protects account numbers, balances, and transaction history as they travel between your application and Quiltt's infrastructure. At rest, Quiltt encrypts stored data with AES-256, the same standard banks and government systems rely on. Encryption alone is table stakes, and the part that changes your liability is how Quiltt handles credentials.

Quiltt replaces raw banking credentials with tokens, so the sensitive material stays under your control. When an end user connects an account, Quiltt exchanges their login for a scoped access token that represents permission to fetch data, not the password itself. Your application stores and passes that token. It never sees, transmits, or persists the underlying username and password.

That tokenization model shrinks your exposure in a concrete way. If your database leaks, an attacker finds tokens that Quiltt can revoke, not credentials that unlock a user's bank account. You also stay out of the highest-risk category of data handling, which means a narrower audit scope and fewer controls you have to prove during your own security reviews. You inherit a smaller liability surface by integrating Quiltt instead of touching credentials directly.

OAuth 2.0 and Access Control

Quiltt uses OAuth 2.0 to delegate access to financial data, which means your end users authenticate directly with their bank or aggregator, and Quiltt never sees or stores their banking credentials. The bank issues an access token after the user grants permission, and that token is what flows through Quiltt's system. Raw usernames and passwords stay between the user and their institution.

This delegated model changes what an attacker could reach if a token leaks. Quiltt scopes each token to specific data and actions, so a compromised token exposes one connection rather than the credentials behind it. The token can be revoked without forcing a password reset, and revocation cuts off access immediately at the source.

For you as a builder, the practical effect is a smaller liability footprint. You hold tokens that can be invalidated, not credential vaults that become a permanent target. If a token is ever exposed, the damage stays contained to that scope, and the underlying account credentials remain untouched because Quiltt never held them.

Audit Trails and Observability

Quiltt logs every event that touches financial data, which gives you a record for both incident investigation and your own compliance reporting. Each authentication attempt, token issuance, connection request, and data access call is recorded with a timestamp, the actor that triggered it, and the resource involved. 

Retention runs long enough to cover standard audit cycles, and access stays scoped to your account. You see your own activity, not another customer's, which keeps the observability you gain from widening anyone else's exposure.

How Orchestration Reduces Security Surface Area

Every direct aggregator connection you maintain becomes a separate security obligation. Connect to Finicity, MX, and Plaid yourself, and you store three sets of API credentials, sit through three vendor security reviews, and inherit three distinct failure modes. Each integration adds code paths that touch financial data, and each one expands the area an attacker can probe.

Quiltt collapses that work into a single relationship. You integrate once, against one set of credentials, covered by one SOC 2 Type 2 audit. The aggregator credentials live inside Quiltt's audited environment, so your systems never hold the raw keys to MX or Akoya. When your procurement team runs a security review, they review Quiltt, not the entire roster of providers behind it.

Multi-provider fallback usually sounds like the opposite of secure, because redundancy implies more connections to defend. Quiltt inverts that. The fallback logic that reroutes a failed Plaid request to Finicity runs inside Quiltt's perimeter, not yours. You get the reliability of several aggregators with the credential surface of one integration, and the security boundary stays fixed no matter how many providers Quiltt adds behind it.

That structure also narrows your incident response. A breach at one aggregator, or a credential leak in your own stack, normally forces you to trace which of your direct connections is exposed. With a single audited integration, the questions you have to answer shrink to one boundary. Fewer credentials, fewer reviews, and fewer entry points is a smaller attack surface by design.

Security Features: Quiltt vs. Managing Multiple Aggregators Directly

The choice between Quiltt and managing direct integrations is both technical and operational. Every aggregator you connect directly adds a credential store to defend, a security questionnaire to complete, and a separate failure mode to monitor. Quiltt collapses those into a single audited relationship. The table below maps the difference across the dimensions a security reviewer actually checks.

The pattern holds across every row. Direct integration multiplies the work that scales linearly with each provider you add. Quiltt holds that work flat because you vet one infrastructure layer, not five.

Who Quiltt Is Built For

Quiltt fits fintech developers who need auditable financial data infrastructure without a side gig managing multiple data provider endpoints. If your product needs integrated bank connectivity, but you don't want to dedicate engineering time to negotiating, vetting, and re-reviewing each provider, Quiltt's single contract replaces that work.

The model pays off most for lean teams facing procurement scrutiny. When a security reviewer asks how your stack protects financial data, you point to one audited integration instead of defending five separate vendor relationships, each with its own credential handling and incident surface.

Quiltt is also a strong fit for products that need uptime guarantees. Multi-provider fallback keeps connections live when one aggregator fails, and it does so without spreading your credential exposure across every provider you depend on.

Conclusion

Quiltt earns trust through audited controls and a smaller attack surface. SOC 2 Type 2 compliance proves the controls hold over time, and routing every connection through one orchestration layer means you review one security posture instead of five. Multi-provider fallback gives you redundancy without multiplying the credentials you have to protect. The result is infrastructure you can defend in a procurement review and rely on in production.

Visit the Quiltt Trust Center to learn more about our SOC 2 Type 2 audit or request a demo to learn about the orchestration model.