How OnLink keeps your money safe

When you move money across borders, you are trusting someone with two things: your funds and your personal data. This article explains, in plain language, how OnLink protects both — and what you can do to keep your own account safe.

OnLink is not a bank. We partner with a licensed bank to hold customer funds and to move money. That partnership is central to how your money is kept safe.

Where your money is held

Your funds are held with OnLink's licensed banking partner, not on OnLink's own balance sheet. That matters: it means your money sits with a regulated institution supervised by the Central Bank of Kenya, and it is kept separate from the money OnLink uses to run the business.

When you send money to Kenya, or convert between currencies, the transfer is executed through that regulated partner — so the same rules that apply to a bank transfer apply to yours.

How we protect your account

Keeping your money safe starts with keeping your account safe. OnLink uses:

• Strong authentication — your login is protected, and sensitive actions like transfers require an additional one-time verification code.
• Encryption in transit and at rest — your data is encrypted when it moves between your device and our systems, and when it is stored.
• Least-privilege access — staff can only see what they need to support you, and access is logged.

We never ask for your password or a one-time code by email, SMS or phone. If someone does, it is not us.

How we protect your data

We collect the information we need to verify your identity (a regulatory requirement) and to move your money — and no more. Card numbers and other sensitive payment details are never written to our logs, and identity documents are handled under strict access controls.

What you can do

A few habits make a big difference:

1. Use a unique password for OnLink and turn on every security feature offered.
2. Never share a one-time code — treat it like a key to your account.
3. Check the exchange rate and the amount before you confirm a transfer. You can always preview the live rate on our USD to KES converter.

The short version

Your money is held with a regulated banking partner, your account is protected with strong authentication and encryption, and your data is collected sparingly and guarded carefully. Security is not a feature we bolt on — it is the reason the product exists.

Image credit

Cover photo by Tima Miroshnichenko on Pexels.