__NUXT_JSONP__("/category/case-studies", (function(a,b,c,d,e,f,g,h,i,j,k,l,m,n,o,p,q,r,s,t,u,v,w,x,y,z,A,B,C,D,E,F,G,H,I,J,K,L,M,N,O,P,Q,R,S,T,U,V,W,X,Y,Z,_,$,aa,ab,ac,ad,ae,af,ag,ah,ai,aj,ak,al,am,an,ao,ap,aq,ar,as,at,au,av,aw,ax,ay,az,aA,aB,aC,aD,aE,aF,aG,aH,aI,aJ,aK,aL,aM,aN,aO,aP,aQ,aR,aS,aT,aU,aV,aW,aX,aY,aZ,a_,a$,ba,bb,bc,bd,be,bf,bg,bh,bi,bj,bk,bl,bm,bn,bo,bp,bq,br,bs,bt,bu,bv,bw,bx,by,bz,bA,bB,bC,bD,bE,bF,bG,bH,bI,bJ,bK,bL,bM,bN,bO,bP,bQ,bR,bS,bT,bU,bV,bW,bX,bY,bZ,b_){return {data:[{perPage:x,posts:[{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"6pAB2RyzUosDXoMmOCuawR",type:g,createdAt:"2021-06-03T20:10:34.403Z",updatedAt:"2023-10-02T17:54:47.335Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:46,revision:af,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:ag,slug:"fintech-data-security-with-quo",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:az,type:i,createdAt:S,updatedAt:S,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:k,revision:l,locale:f},fields:{title:ag,file:{url:aA,details:{size:aB,image:{width:aC,height:T}},fileName:aD,contentType:U}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:az,type:i,createdAt:S,updatedAt:S,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:k,revision:l,locale:f},fields:{title:ag,file:{url:aA,details:{size:aB,image:{width:aC,height:T}},fileName:aD,contentType:U}}},description:"[Quo Finance](https:\u002F\u002Fwww.quo.com\u002F) is a mobile subscription app that helps you easily set and achieve your lifestyle and financial goals. CEO Tucker Haas recently sat down with us to discuss the critical role data security plays in their product and why they decided outsourcing would keep customer data safest. \n\n*Note: The following has been edited for length and clarity. You can see the full discussion [here](https:\u002F\u002Fwww.verygoodsecurity.com\u002Flearn\u002Fgrow-your-business-by-offloading-security-and-compliance).*\n",body:"[Quo Finance](https:\u002F\u002Fwww.quo.com\u002F) is a mobile subscription app that helps you easily set and achieve your lifestyle and financial goals. CEO Tucker Haas recently sat down with us to discuss the critical role data security plays in their product and why they decided outsourcing would keep customer data safest. \n\n*Note: The following has been edited for length and clarity. You can see the full discussion [here](https:\u002F\u002Fwww.verygoodsecurity.com\u002Flearn\u002Fgrow-your-business-by-offloading-security-and-compliance).*\n\n## What does Quo do and how does it help people achieve their financial goals?\n\nQuo is a subscription mobile app that helps you easily set and achieve your lifestyle and financial goals. Most large financial and lifestyle goals are very difficult to navigate and they can feel very out of reach. We all want to travel more, buy a home, a car... save money for an emergency fund, whatever it is, but we end up having to string together tons of tools and information to do so. And we ultimately pay a much higher price with our time and money because of the lack of a clear path and integrated solutions to really go out and achieve these goals. And so we built Quo to help you achieve these goals faster with personalized tools that pull together all of that information. We combine that with discounts and rewards that can actually pull those goals even closer and help you achieve them even faster.\n\n## As a fintech, you handle a lot of sensitive data. When and how did you start thinking about the implications of that sensitive data, and how to handle it?\n\nSecurity and regulation was something that we knew was not our forte as we were building Quo, and it was something that we were constantly thinking about how can we be sure that we are protecting our users’ information, make sure that we are respecting their privacy and make sure that we're able to sleep at night knowing that a hacker is not going to come in and steal 1000s of social security numbers. It really was something that, from the start, gave me a lot of anxiety, actually, because it was something that I had not dealt with before. Because of that, what we did was...\n\nfrom the beginning, we tried to create a foundation of how do you build secure applications, how do you build something that, in its DNA, and in the way that we architect our systems, so we don't have to worry about this problem. It’s really about pulling together the great tools out there like Very Good Security, the great tools within Google Cloud, to divorce ourselves from the problem as much as possible\n\n...to make it so that we don't have to constantly consider how are we going to protect our information and make sure that we're not going to lose to hackers. Really from the beginning, it was something that was top of mind, and it was something that I think, not enough companies also put a put enough emphasis on because it can be an advantage in a lot of ways.\n\n## Did you ever think about taking a Do It Yourself (DIY) approach to data security and compliance?\n\nBefore Quo I worked on a health medical device startup, and that was also very software-based. At that company, we ended up building a lot of that infrastructure ourselves and having to deal with a similar regulation of HIPAA compliance. It varies quite a bit from FinTech compliance but it's still a very intense compliance structure. And so I saw the foils of that, trying to create that infrastructure yourself because as you mentioned there, you get very distracted from your core competencies very quickly. \n\nAnd so, as we were starting Quo, it was really a choice that was very easy for me to make. There were some pieces of information that I knew that we would want to keep locally so that we would access them more often, things like first and last name stuff that is still sensitive and you may not want leaked out, but at the same time is easier to protect... you can have a little bit less anxiety about. \n\nBut when we were looking at those very sensitive pieces of information like social security numbers and government IDs and income and W2 statements, that's something that we instantly said... \n\n\u003E This is not our competency. What we are really trying to do is not build the most secure applications in the world. We're trying to better the financial health of our customers… We need that security and trust, but we don't need to own the infrastructure itself to be able to have that. And there are people out there who are much better at it than us. And so for us, it was a very easy trade-off to say let's ship that over to these infrastructure partners.\n\n## What advice would you give to other companies in your situation?\n\nOften, data security and regulation, especially, is seen as sort of this side problem, this thing that's in the way and it's kind of the enemy it slows down product strategy and iteration, causes headaches in development but I do think that, at the same time, it can be a difference-maker. It is something that is incredibly important to be able to consider. So, the biggest piece of advice I can give is don't ignore it. Actually, put some time and effort into it because no amount of business strategy or growth can overcome you know a huge security failure or data leak, and that can really be a death knell for a young company. \n\n\u003E Don't ignore [data security], but find ways to optimize it. You don't have to take the...approach where you're building everything yourself. Working with companies like VGS to secure those most sensitive pieces of information lets you focus on keeping that fast product strategy and iteration. Actually being able to build out that growth strategy and not worrying about is my data safe.\n\n## What effect has your relationship with VGS had on your ability to start new partnerships or achieve business goals?\n\nWhen we're building out all of those horizontal and vertical creations, know that that means working with tons of different partners. I know I mentioned the credit bureaus being one specific lead. That was something that was not very easy because credit bureaus have some legacy infrastructure and technology and they have some very specific ways that they want you to connect to their services. We just gave a call to VGS and said “hey, we need to connect to this partner,” and we were done in a day. And so the, it's really been super simple for us to be able to shepherd that data to whoever it needs to get to, whether it's a credit bureau to a banking partner or whomever.\n\nIt really makes those partnerships 10 times easier because we're not having to convince them that we're securing all of this information. We can say, go look at VGS and see all of the certifications that they have, and all of the data security practices that they have. Then we're not stuck in security review experience for six months, it's “okay great, we've done it with VGS before we know they're great, let's do this in, you know 30 days.” \n\nIf you want to learn more about [securing your data with VGS](https:\u002F\u002Fwww.verygoodsecurity.com\u002F), you can [sign up for the next product demo here](https:\u002F\u002Fwww.verygoodsecurity.com\u002Frequest-demo) or [contact us to talk to someone 1-1](https:\u002F\u002Fwww.verygoodsecurity.com\u002Fcontact).\n",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"3WoC19PdKhYMXcOZ1yDmb7",type:g,createdAt:"2019-11-21T17:54:26.335Z",updatedAt:"2023-03-28T19:20:01.739Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:24,revision:ah,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:V,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:aE,type:i,createdAt:aF,updatedAt:aG,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:aH,revision:k,locale:f},fields:{title:V,file:{url:aI,details:{size:aJ,image:{width:aK,height:aL}},fileName:aM,contentType:j}}},bio:"Marketing Manager at VGS",linkedin:"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fena-kadribasic-a72baa170\u002F"}},publishDate:"2021-06-03T16:00-05:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Learn how Quo grew their business by offloading security and compliance. "}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"0vFkIE8yYp9iEHkkOlZqV",type:g,createdAt:"2020-01-22T14:59:45.079Z",updatedAt:"2023-10-02T19:43:22.449Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:127,revision:ai,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - Paytient",slug:"paytient-zero-data-hero-customer-spotlight",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:aN,type:i,createdAt:W,updatedAt:W,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:k,revision:l,locale:f},fields:{title:aO,file:{url:aP,details:{size:aQ,image:{width:aR,height:aS}},fileName:aT,contentType:U}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:aN,type:i,createdAt:W,updatedAt:W,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:k,revision:l,locale:f},fields:{title:aO,file:{url:aP,details:{size:aQ,image:{width:aR,height:aS}},fileName:aT,contentType:U}}},description:"We are happy to introduce Brian Whorley, CEO and founder of Paytient, an innovative health care technology company that leverages our Zero Data solutions to protect sensitive patient data\n\n__Tell us about Paytient__\n\n__Brian:__ Sponsored by employers, Paytient is a payer for employees' out-of-pocket medical, dental, pharmacy, vision, or veterinary expenses. At a high level, our mission is to remove cost as a barrier to care for employees by offering an innovative way to pay for any out-of-pocket costs of care.\n",body:"We are happy to introduce Brian Whorley, CEO and founder of Paytient, an innovative health care technology company that leverages our Zero Data solutions to protect sensitive patient data\n\n__Tell us about Paytient__\n\n__Brian:__ Sponsored by employers, Paytient is a payer for employees' out-of-pocket medical, dental, pharmacy, vision, or veterinary expenses. At a high level, our mission is to remove cost as a barrier to care for employees by offering an innovative way to pay for any out-of-pocket costs of care.\n\n![Paytient-vgs-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F3u6f1cAphB0CBdsB0zKagN\u002F2b10a40dc0a4b8143cfbe1e2bf043eab\u002FPaytient-vgs-zero-data-hero.png)\n\nOver the last 10-15 years, patient financial responsibility in the form of higher deductibles, copays and coinsurance has dramatically outpaced patient affordability, i.e. wage growth. With 70% of HSA’s having balances less than their deductible, employees are delaying treatment more and more, turning early, cost effective interventions into later-stage, more harmful and more expensive cases that ultimately cost their employers more and cause the cycle to get more vicious.\n\nPaytient gives employees a new payment method for any out-of-pocket medical, dental, vision, pharmaceutical or even veterinary bills. The doctor is paid at the time of care via the Paytient app and Visa card, giving the patient the option to spread out the expense over a period of time via paycheck deduction. There’s no interest, no fees, no credit check, and users can customize their payment plans – as the employer sets it up on the employee’s behalf.\n\nOur mission is to help 10 million Americans better access and afford care.  Alongside any health plan, Paytient enables employees to live better lives by accessing care earlier without financial harm. We make higher deductibles financially healthier for everyone - employers, providers, and employees.\n\n__How did Paytient approach the challenge of data security?__\n\n__Brian:__ We started focusing on data security from day one. Paytient lives at the intersection of healthcare and financial services - when employees tap our app at the hospital emergency room, they’re trusting us to help them in a very urgent, very personal moment.\n\nIt is a serious responsibility and we need to ensure that, first, our user’s card always works and, second, that it works in a way that keeps their data secure. \n\n\u003EVGS enables us to efficiently build a customer experience that we’re proud to bring to the world, and one we use ourselves to pay for our own family members’ care.\n\n__What does Zero Data mean to you?__\n\n__Brian:__ The ability to help others is a privileged position enabled by trust. As a company with healthcare DNA, we’re accustomed to an uncompromising level of scrutiny and we’ve been intentional from the very beginning with our ‘First, Do No Harm’ mindset.  \n\nWith a goal of removing cost as a barrier to care for millions, we have to build and deploy highly secure products in not just one, but two highly regulated markets: finance and healthcare. On top of that, we have to do so rapidly. \n\n\u003ETo us, Zero Data has meant not having to make a false choice between security or speed - we can do both.\n\n__How has VGS helped Paytient?__\n\n__Brian:__ Paradoxically, our approach to security has been an enabler of speed. \n\n\u003EBuilt the right way from early on using VGS, we’re able to commence enterprise-grade procurement processes with the confidence of a fully compliant stack - whether that is PCI Level 1 or 2 and SOC Type 1 or Type 2.\n\n__How do you quantify the benefit of VGS?__\n\n__Brian:__ Our eyes are always on what’s over the horizon, so the benefit is probably best framed in opportunity capture. VGS has allowed us to build a better product faster, definitely at a lower cost, and has also allowed us to create and define the bar for our category. We know the product we are building is secure, and we can dedicate less resources toward cumbersome compliance issues – which has enabled us to focus on continuing our growth and better helping our users.\n\n__How do you see the relationship evolving over time?__\n\n__Brian:__ One of our goals, especially as we start to work with larger healthcare partners, is to make the buying and selling of care more intuitive and intelligent, with VGS being integral to our success on that mission. As Paytient grows, our product will become more integral to employees’ healthcare purchasing decisions. This will lead to us needing to draw in even more sensitive or protected information from our health insurance or HSA\u002FFSA partners, and we’ll need to continue to do so in a secure fashion.\n\n__Any advice for other startups who are beginning their security and compliance journey?__\n\n__Brian:__ It’s crucial to start with the customer’s needs first, and with that in mind, really understand how you’re designing to solve their problem. Then, it’s a matter of determining the minimum unavoidable drag that you have to take on to solve it, and then use VGS for that portion. The enabling power of this technology from both a business and security standpoint cannot be understated.\n\n__Who is your favorite superhero and why?__\n\n__Brian:__ Peter Quill, aka Star-Lord from Guardians of the Galaxy, since he’s also from Missouri. I think I saw Guardians twice at the movie theater and my kids love watching it (you’re welcome Disney+).\n\n![Peter Quill-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F4BiRcmw3q3qlVTHQnbfbn\u002Ff4df5e4697db1454b776f96b09b08e6b\u002FPeter_Quill_-_ZDH-2.png)\n\n__How can people sign up with Paytient?__\n\n__Brian:__ If you work at a US-based employer and you’re looking for a way to reduce your health plan costs, better attract and retain talent, as well as help your team and their family members have better access to affordable care, we’d love to hear from you at hello@paytient.co or visit www.paytient.co\n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [SteadiPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fzero-data-hero-customer-spotlight-steadipay)\n",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:B,type:g,createdAt:C,updatedAt:D,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:x,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:t,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:E,type:i,createdAt:F,updatedAt:G,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:A,revision:u,locale:f},fields:{title:t,file:{url:H,details:{size:I,image:{width:J,height:K}},fileName:L,contentType:j}}},bio:M,linkedin:N}},publishDate:"2020-01-22T18:00+02:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"A spotlight on Paytient CEO and cofounder, Brian Whorley, whose innovative health care company helps ten million Americans obtain better access to care – with their sensitive data secured by VGS."}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"5xj7jJULKbV0XW5bZG3xZd",type:g,createdAt:"2019-11-19T16:14:47.453Z",updatedAt:"2023-10-02T19:47:12.682Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:67,revision:ah,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - HC3",slug:"hc3-zero-data-hero-customer-spotlight",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"R6ZeTmLlwL5HMI4t1E9wU",type:i,createdAt:aU,updatedAt:aU,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:"HC3-zero-data-hero",file:{url:"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002FR6ZeTmLlwL5HMI4t1E9wU\u002F7e2992336f7cbd03bf8bdbc6a2ce36c9\u002FHC3-zero-data-hero.png",details:{size:241518,image:{width:2250,height:R}},fileName:"HC3-zero-data-hero.png",contentType:j}}},description:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*",body:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n![Griffin-McGahe-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F5YjXCm64MelE6t8QPB6qju\u002Feb09c271ef3fef4099d487bedf7f2656\u002FGriffin-McGahe-zero-data-hero.png)\n\n__Tell us about HC3?__\n\n__Griffin__ - HC3 helps financial services firms and healthcare companies communicate with their customers, both in print and online. Banks and credit unions, for example, ask us to design and deliver several types of physical and digital documents, most of which are account statements or other financial documents, such as invoices or loan statements. \n\n__How did HC3 approach the challenge of data security?__\n\n__Griffin__ - The nature of the business we’re in means that we have a lot of sensitive Personally Identifiable Information (PII) coming through our facility every day. We wanted to keep ourselves out of scope for a couple specific pieces of PII that we didn’t want to store ourselves, notably Social Security Numbers and 16-digit card numbers. Our desire to descope from that particular sensitive data was what initially led us to contact VGS.\n\n__What does Zero Data mean to you?__\n\n__Griffin__ - HC3 is constantly striving to __reduce the scope of PII__ that we collect and store, which our relationship with VGS enables us to do. For us, however, Zero Data is more of an ideal to strive for rather than a practical goal. This is simply because the work we do for our customers makes Zero Data in the literal sense somewhat unrealistic, at least for the time being. \n\n__How has VGS helped HC3?__\n\n__Griffin__ - VGS has helped us work with our customers’ sensitive data without having to actually possess any of the original data ourselves. For one of our clients, as an example, we help them store and present documents that need to be identified by SSN and\u002For credit card number. With VGS, we are able to tokenize and alias those sensitive numbers and provide the end-users with access, all without storing any of the data ourselves.\n\n__How do you quantify the benefit of VGS?__\n\n\u003E The benefit of VGS is all about peace of mind. It’s resting assured that we’re not holding credit card numbers or social security numbers in web-facing systems or on any machines here. There’s unquantifiable value in knowing that we’re not taking that risk.\n\n__Any advice for other startups who are beginning security and compliance journey?__\n\n__Griffin__ - I think Zero Data, as an idea, makes perfect sense: don’t __hold any PI__ that carries risk and pursue a workflow that keeps it that way. For startups, I would always say to start from Zero Data as an endpoint. Due to the nature of our business, we can’t start at Zero Data. But, for a startup working from the ground up, it’s the right way to go.\n\n__Who is your favorite superhero and why?__\n\n__Griffin__ - I wasn’t a big superhero fan, but I would say Mr. Incredible if I had to choose. Even though he’s middle-aged and questioning the value he brings to society in the new normal he’s facing, he’s still got it - and that eventually rises to the surface. \n\n![mr-incredible-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F6awlIBABwnzx6tFZbaINoa\u002F3e664063c7e24a704ceea3b29d1724c5\u002Fmr-incredible-zero-data-hero.jpg)\n\n__How can people sign up with HC3?__\n\n__Griffin__ - We primarily work with US-based banks and credit unions who are interested in modernizing their customer communications to give their users a consistent experience across all channels. Businesses that would like to streamline their customer communications can contact us at [info@hc3.io](mailto:info@c3.io) or 877-838-2345. \n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [SteadiPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fzero-data-hero-customer-spotlight-steadipay)",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:B,type:g,createdAt:C,updatedAt:D,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:x,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:t,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:E,type:i,createdAt:F,updatedAt:G,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:A,revision:u,locale:f},fields:{title:t,file:{url:H,details:{size:I,image:{width:J,height:K}},fileName:L,contentType:j}}},bio:M,linkedin:N}},publishDate:"2019-11-19T14:00+01:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Learn about how HC3, a print and digital customer communications solutions provider for banks and credit unions, helps their customers work with sensitive data without ever storing it themselves using the VGS Zero Data approach.",defaultImage:"\u002Fblog\u002Fassets\u002Fimg\u002Fhero1.png"}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"2OwWmSLG3oAtLaibiUm1fP",type:g,createdAt:"2019-11-05T10:47:11.607Z",updatedAt:"2023-10-02T19:58:48.046Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:120,revision:x,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - MoonPay",slug:"moonpay-zero-data-hero-customer-spotlight",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:aV,type:i,createdAt:X,updatedAt:X,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:aW,file:{url:aX,details:{size:aY,image:{width:O,height:aZ}},fileName:a_,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:aV,type:i,createdAt:X,updatedAt:X,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:aW,file:{url:aX,details:{size:aY,image:{width:O,height:aZ}},fileName:a_,contentType:j}}},description:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n",body:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n![viktor-moonpay-zerodatahero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F6USZrAv2LYfEpJWxbRoqJ0\u002F6a92a7e2dee6c77d00b0fb689f9ab493\u002Fviktor-moonpay-zerodatahero.png)\n\n__Q - Tell us about MoonPay?__\n\n__Victor__ - The MoonPay journey started in Summer 2018 when my co-founder Ivan and I were feeling frustrated with poor user onboarding experiences into cryptocurrencies. To address this problem, we developed an out-of-the-box solution for cryptocurrency wallets and exchanges to facilitate the purchase of major cryptocurrencies with popular payment methods. MoonPay is now integrated with over 30 key players in the ecosystem and can service users in more than 40 countries.\n\n__Q - How did MoonPay approach the challenge of data security?__\n\n__Victor__ - Data security is a key challenge for us as we have to deal with highly sensitive data, such as identity documents and credit card numbers.\n\n\u003E We made the decision to leverage VGS’ infrastructure from day one to alias our sensitive data internally while keeping the flexibility to share this data with trusted third parties for identity verification, payments and fraud prevention purposes.\n\n__Q - What does Zero Data mean to you?__\n\n__Victor__ - The [Zero Data approach](https:\u002F\u002Fwww.verygoodsecurity.com\u002Fblog\u002Fposts\u002Fannouncing-very-good-securitys-zero-data-mission\u002F) means ensuring peace of mind and safety for our company, our partners, and our end-users. Not storing sensitive data on our servers is a risk management best practice that also reduces our compliance scope. \n\n__Q - How has VGS helped MoonPay?__\n\n__Victor__ - A number of our partners require a fully customizable onboarding flow for their end-users. The use of [VGS Collect.js](https:\u002F\u002Fwww.verygoodsecurity.com\u002Fcollect\u002Fcollectjs) alongside our API has allowed us to give them more freedom to customize the look and feel of the integration. \n\n__Q - How do you see the relationship evolving over time?__\n\n__Victor__ - We are looking forward to the release of the VGS mobile SDKs that will allow us to go even further with native integrations. We also plan to leverage VGS more and more as we expand into new geographies to make sure we remain within compliance of local regulations.\n\n__Q - How do you quantify the benefit of VGS?__\n\n\u003E Focusing on product development is key for startups. Thanks to VGS, we have been able to significantly cut time and money spent on becoming PCI compliant at a higher scope, which allowed us to release a solid product much faster.\n\n__Q - Any advice for other startups who are beginning their security and compliance journey?__\n\n__Victor__ - Focus on your core objective, which is building your product and achieving product-market fit. Don’t reinvent the wheel in areas like compliance and security. We’re lucky to have experts providing us solutions, like VGS, so make sure to leverage those if needed.\n\n__Q - Who is your favorite superhero and why?__\n\n__Victor__ - Superman. For me, he represents the idea that everyone can make a difference irrespective of where they come from. There is a lot to learn from Superman, especially for entrepreneurs. He always makes a strong impression and his suit is always clean, tidy and shiny. As an entrepreneur, I think giving careful consideration to UI\u002FUX early in your startup journey can make a big impact in impressing your first customers, partners, and investors.\n\n![superman-moonpay](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F32FuyhBod8pDE1yDwvctqU\u002F3203024a6c297c1b5e47e28255b32187\u002Fsuperman-moonpay.png)\n\n__Q - How can people sign up with MoonPay?__\n\n__Victor__ - If you are a developer and building a product that uses cryptocurrencies, drop us a line at hello@moonpay.io and we’ll be happy to help build a seamless crypto on-ramp for your users.\n\nIf you are generally curious and want to get your hands on some cryptocurrencies, you can try us out here:[ https:\u002F\u002Fbuy.moonpay.io](https:\u002F\u002Fbuy.moonpay.io).\n\n__About MoonPay__\n\nMoonPay is the new standard for fiat to crypto. We are a marketplace between cryptocurrency exchanges and users facilitating instant non-custodial purchases of major cryptocurrencies. Our mission is to make cryptocurrencies accessible to everyone. Founded in 2018, MoonPay has partnered with over 30 leading cryptocurrency exchanges, wallets, and dApps to solve the fiat-to-crypto on-ramp challenge. We offer best-in-class developer tools, including a customizable widget and APIs, to enable companies to build seamless purchase experiences. MoonPay currently operates in over 40 countries and provides 24\u002F7 customer support.\n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [SteadiPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fzero-data-hero-customer-spotlight-steadipay)",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:B,type:g,createdAt:C,updatedAt:D,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:x,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:t,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:E,type:i,createdAt:F,updatedAt:G,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:A,revision:u,locale:f},fields:{title:t,file:{url:H,details:{size:I,image:{width:J,height:K}},fileName:L,contentType:j}}},bio:M,linkedin:N}},publishDate:"2019-11-05T14:00+02:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Learn more how Moonpay approached the challenge of highly sensitive data, such as identity documents and credit card numbers."}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"g34LGVmWHLAmQ5pNfALcB",type:g,createdAt:"2019-10-22T14:30:28.605Z",updatedAt:"2023-10-02T20:00:57.086Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:206,revision:ai,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - Point",slug:"point-zero-data-hero-customer-spotlight",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:a$,type:i,createdAt:Y,updatedAt:Y,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:ba,file:{url:bb,details:{size:bc,image:{width:O,height:R}},fileName:bd,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:a$,type:i,createdAt:Y,updatedAt:Y,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:ba,file:{url:bb,details:{size:bc,image:{width:O,height:R}},fileName:bd,contentType:j}}},description:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n",body:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n![point-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F3LJgVTGnuR2rYL560D45QD\u002F7732983aad8805bbf167625ba170f802\u002Fpoint-zero-data-hero.png)\n\n__Q - Tell us about Point?__\n\n__Kenan -__ Point is a consumer FinTech company focused on building financial products that are aligned with our clientele, which we do by giving our users an amazing mobile banking experience and access to features that benefit them specifically - all while not charging any fees. Some of the features we currently offer include an interest-bearing checking account, a debit card with rewards on select merchants and exclusive perks from some of our early partnerships.\n\n__Q - How did Point approach the challenge of data security?__\n\n\u003E Like any financial product, security and compliance are paramount in gaining our users’ trust.\n\nWe do this by maintaining best practices when it comes to protecting our users’ data, such as sending all our data over HTTPS, hashing passwords with an algorithm that’s resistant to several popular cracking mechanisms - and by aliasing our sensitive data with VGS. \n\n__Q - What does Zero Data mean to you?__\n\n__Kenan -__ It means that, by leveraging VGS as our data security partner, we don’t have to store any sensitive data on our side. If our database ever does become compromised, whether through a rouge employee or an external hacking attack, most of the data wouldn’t be actionable. \n\n__Q - How do you see the relationship evolving over time?__\n\n__Kenan -__ Over time, as we build out more new features for our users, we’ll presumably have more data that we’ll need to secure with VGS. Also, when the time comes, we will use VGS to expedite our PCI compliance process.\n\n__Q - How do you quantify the benefit of VGS?__\n\n__Kenan -__ VGS has provided us with an out-of-the-box product that enables us to avoid dedicating engineering resources to building our own custom data aliasing solution, which we would have to store in a separate database and protect ourselves. \n\n\u003ENow, we don’t have to focus on solving the problem of data security, so we can focus on our core competencies.\n\n__Q - Any advice for other startups who are beginning security and compliance journey?__\n\n__Kenan -__ __Every company should adhere to best security practices.__ But if you’re building a company that relies more on sensitive data, like developing financial products, you need to be aware of certain attack vectors and mechanisms in which you can minimize those vectors. Something like tokenizing or aliasing sensitive data is a great step in the right direction, as well as leveraging 2FA on any sensitive data and siloing databases. \n\n\u003E You want to make sure that you’re doing data security correctly from the outset, because it’s a lot more difficult to fix down the road when you don’t.\n\n__Q - Who is your favorite superhero and why?__\n\n__Kenan -__ I would say Iron Man, because he’s an engineer and an inventor. He was able to take a potentially detrimental situation and turn it into a positive force for good. I also like the fact that he’s a superhero that was born human - not with any special powers. Both Iron Man and Batman are relatable in that way.\n\n![iron-man-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F4TYnaPs333L5a8afkLfC7K\u002F7d1a2828ae0e23f3d9b4efd3f09e909b\u002Firon-man-zero-data-hero.png)\n\n__Q - How can people sign up with Point?__\n\n__Kenan -__ Right now, we’re still in beta. But you can sign up for early access at [www.point.app](https:\u002F\u002Fwww.point.app).\n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [SteadiPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fzero-data-hero-customer-spotlight-steadipay)",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:B,type:g,createdAt:C,updatedAt:D,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:x,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:t,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:E,type:i,createdAt:F,updatedAt:G,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:A,revision:u,locale:f},fields:{title:t,file:{url:H,details:{size:I,image:{width:J,height:K}},fileName:L,contentType:j}}},bio:M,linkedin:N}},publishDate:"2019-10-22T14:00+03:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Learn more how Point maintains best practices in security and compliance when it comes to protecting their users’ data."}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"2Kmvr5NAgDBwm5XbhQR058",type:g,createdAt:"2019-10-08T15:44:44.495Z",updatedAt:"2023-10-02T20:02:14.674Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:171,revision:af,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - Seekom",slug:"zero-data-hero-customer-spotlight-seekom",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:be,type:i,createdAt:Z,updatedAt:Z,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bf,file:{url:bg,details:{size:bh,image:{width:O,height:R}},fileName:bi,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:be,type:i,createdAt:Z,updatedAt:Z,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bf,file:{url:bg,details:{size:bh,image:{width:O,height:R}},fileName:bi,contentType:j}}},description:aj,body:"Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.\n\n![Amit-Kumar-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F7m1wnzijzBrcdPkuZxAdu6\u002F451b6bfc97167ea161197dbd77d9f63d\u002FAmit-Kumar-zero-data-hero.png)\n\n__Q - Tell us about Seekom?__\n\n__Amit__- We provide online hotel management SaaS platform, and our solutions are already in 24 countries. Any hotel can use our IBEX hotel management product and we support website booking screens, inbound sales channel management and much more.\n\nEverything is integrated into this all-in-one system, which supports credit card payments as well. In fact, we process over a million bookings a month, and that’s why VGS has been so helpful - there’s so much credit card data coming in that we had to get a professional to help us handle it.\n\n__Q - How did Seekom approach the challenge of data security?__\n\n__Amit__- Before finding VGS, we used a DIY approach. We managed data security ourselves, building a vault, tokenizing all credit card data and performing self-certification for PCI compliance. But, __being self-managed, it started to become really risky to do it on our own - especially with new privacy acts like the GDPR coming out. __\n\nWhen we started looking for companies that can handle data security for us, we found VGS and realized that you guys can handle all our PCI compliance needs so that we don’t need to worry about sensitive data breaches at all.\n\n__Q - What does Zero Data mean to you?__\n\n\u003E To me, the idea behind Zero Data is all about not duplicating a reliable data security product. VGS is a solution that can provide PCI compliance and data security for us without processing any sensitive data ourselves - so why should we waste our resources developing the same product that VGS already provides?\n\n__Q - How has VGS helped Seekom?__\n\n__Amit__- VGS has helped us in a mostly technical manner. Doing PCI ourselves used to take a lot of time, but that technical work has all been shifted to VGS. Now, we don’t need to worry about PCI. We can focus on our product rather than dedicating time and resources to data security. __It’s made our product development process faster, and freed us from worrying about PCI compliance.__\n\n__Q - How do you quantify the benefit of VGS?__\n\n__Amit__- The benefits of partnering with VGS can be measured in terms of resources, human capital and technical expertise. If you’re working with VGS to handle all your data security, you don’t need any of those things. Rather than anyone on our team managing our vault or PCI compliance, our focus goes towards more important endeavors. Resource management-wise, it’s good to have VGS.\n\n__Q - How do you see the relationship evolving over time?__\n\n__Amit__- Right now, we’re using the aliasing features of VGS to process credit card data. But, there are other solutions that VGS provides that we can use in the future. When our mobile app launches, for example, we can use the ID verification feature in which users capture an image of their ID or passport data using their mobile device.\n\nWith VGS, that sensitive data is aliased - so we don’t need to worry about data privacy or staying GDPR compliant. You guys stay on your toes, so we don’t need to take care of it.\n\n__Q - Any advice for other startups who are beginning security and compliance journey?__\n\n\u003E If you’re a startup, you should go to a third-party for your data security from day one. Don’t do it yourself, as we did previously - it’s too time-consuming and not worth your time. Focus on your product and let VGS handle PCI.\n\n__Q - Who is your favorite superhero and why?__\n\n__Amit__- I would say Ironman, because he doesn’t have any God-given superhero powers. He basically created his superhero power himself, and that’s what I think people can really do. __It doesn’t matter if you don’t have anything in the beginning. You can create something out of nothing for yourself, and become a superhero.__ And that’s why I admire him - it’s all technological stuff, it’s all in his brain.\n\n![iron-man-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F2YSyBOdnJEyi9cGqQqVezn\u002F105ab8fe1792875be2dacbce59f014c6\u002Firon-man-zero-data-hero.png)\n\n__Q - How can people sign up with Seekom?__\n\n__Amit__- If you go to our [website](https:\u002F\u002Fweb.seekom.com\u002F), you can sign up for a free Ibex demo. Feel free to test it out and we will get in touch with you shortly. \n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [SteadiPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fzero-data-hero-customer-spotlight-steadipay)",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:B,type:g,createdAt:C,updatedAt:D,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:x,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:t,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:E,type:i,createdAt:F,updatedAt:G,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:A,revision:u,locale:f},fields:{title:t,file:{url:H,details:{size:I,image:{width:J,height:K}},fileName:L,contentType:j}}},bio:M,linkedin:N}},publishDate:"2019-10-08T10:00+03:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Learn more how Seekom switched from DIY approach to VGS in handling data security and PCI compliance."}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"4DRB4FFpjPaaxXGy59P80X",type:g,createdAt:"2019-09-24T17:28:44.278Z",updatedAt:"2023-10-02T20:02:39.546Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:162,revision:x,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - TravelBank",slug:"zero-data-hero-customer-spotlight-travelbank",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bj,type:i,createdAt:_,updatedAt:_,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bk,file:{url:bl,details:{size:bm,image:{width:y,height:z}},fileName:bn,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bj,type:i,createdAt:_,updatedAt:_,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bk,file:{url:bl,details:{size:bm,image:{width:y,height:z}},fileName:bn,contentType:j}}},description:"Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.\n\n__TravelBank’s innovative, all-in-one trip expense platform - protected by VGS__",body:"Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.\n\n__TravelBank’s innovative, all-in-one trip expense platform - protected by VGS__\n\n![reid-williams-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F2wlLUnv10FZbvr7SJsxh2O\u002Fbf139b476eb39423a7dce76f72fc2a60\u002Freid-williams-zero-data-hero.png)\n\n__Q - Tell us about TravelBank?__\n\n__Reid__ - TravelBank is a modern travel and expense platform that allows businesses to book business trips, get in touch with 24\u002F7 travel support, track expenses, and process reimbursements all in one app. Using an intelligent algorithm, TravelBank predicts travel costs based on real-time pricing. Users can access a curated bookings platform with special exclusive rates. TravelBank offers a camera-first experience for tracking expenses on-the-go, and rewards for employees who save money on corporate travel when they choose more cost-effective options.\n\n__Q - How did TravelBank approach the challenge of data security?__\n\n__Reid__ - When we started the company, we knew we needed to utilize sensitive information in non-traditional ways. For example, when you work with some credit card processors, they reduce your PCI scope by letting data in, but not out - so that only they have access to process payments. This works to reduce your PCI scope, but results in data lock-in. In our travel payments infrastructure, it was a requirement that we be able to move payments data around with some of our fulfillment partners in a myriad of ways, which made __VGS the logical choice to solve the problem of reducing scope as well as giving us the flexibility to use the payment information as needed__. In addition, we treat all of our customer's data like it was our own and we knew that we needed to make sure that we were protecting that information - especially as it relates to travel. \n\n__Q - What does Zero Data mean to you?__\n\n__Reid__ - Zero Data, to us, means not holding onto the information that may put you in scope for compliance efforts. This also highly reduces our risk.\n\n__Q - How has VGS helped TravelBank?__\n\n__Reid__ - VGS has been a great partner since the beginning, and has provided an invaluable service with essentially no downtime - which is especially important considering that every payment request must go through VGS.\n\n__Q - How do you quantify the benefit of VGS?__\n\n\u003E __Reid__ - The benefit is very easy to quantify - the choice is between putting together a compliant and secure infrastructure with numerous staff members across various disciplines, versus a (literally) 3 line implementation. \n\n__Q - Any advice for other startups who are beginning their PCI journey?__\n\n__Reid__ - Focus on what matters, and find shortcuts where possible to speed you up towards getting your customers to value - if something exists for a solution, there's no need to reinvent the wheel.\n\n__Q - Who is your favorite superhero and why?__\n\n__Reid__ - Leonardo from the Teenage Mutant Ninja Turtles - he's their leader and serves as a great role model for the rest of the group, while being disciplined and highly skilled.\n\n![leonardo-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F27DXO1zqYUqSOCKT5qjab0\u002F120fcf187526c279b66056d51e94d016\u002Fleonardo-zero-data-hero.png)\n\n__Q - How can people sign up with TravelBank?__\n\n__Reid__ - TravelBank is [available for anyone to use](https:\u002F\u002Ftb.app.link\u002Fzerodata) for free on desktop, iOS, and Android. Setting up your company on TravelBank takes minutes, not months like other solutions. We make it simple for you to invite users and assign them to a team or manager role with one tap. We provide recommended settings for features like travel policy, budgets, and rewards so you can turn them on and get started right away, and if you choose to, customizing these features is simple and streamlined within your company settings page. And our customer support team is always available to help at any point along the way. \n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [SteadiPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fzero-data-hero-customer-spotlight-steadipay)",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"1SBFUVUGlUfnQs247y6fJ5",type:g,createdAt:"2019-07-23T12:32:55.030Z",updatedAt:"2019-09-18T15:26:57.369Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:ak,revision:u,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:V,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:aE,type:i,createdAt:aF,updatedAt:aG,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:aH,revision:k,locale:f},fields:{title:V,file:{url:aI,details:{size:aJ,image:{width:aK,height:aL}},fileName:aM,contentType:j}}}}},publishDate:"2019-09-24T10:00+03:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Learn more how VGS helped TravelBank reduce pci scope and give the flexibility to use the payment information as needed. "}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"7yhFjldSyFkdX6D9ElATsR",type:g,createdAt:"2019-09-05T15:28:40.539Z",updatedAt:"2023-10-02T20:05:09.526Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:122,revision:af,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - Coverhound",slug:"zero-data-hero-customer-spotlight-coverhound",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bo,type:i,createdAt:$,updatedAt:$,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bp,file:{url:bq,details:{size:br,image:{width:y,height:z}},fileName:bs,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bo,type:i,createdAt:$,updatedAt:$,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bp,file:{url:bq,details:{size:br,image:{width:y,height:z}},fileName:bs,contentType:j}}},description:aj,body:"Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.\n\n![Nathan Seither-vgs-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F76nkX8lOGs1vBHlSc2BAql\u002F8dd45f4db7b4d4334e5f783a470c1d40\u002FNathan_Seither-vgs-zero-data-hero.png)\n\nToday’s Zero Data Hero is Nathan Seither, VP of Engineering at CoverHound and CyberPolicy\n\n__Q - Tell us about CoverHound?__\n\n__Nathan__ - CoverHound is a digital insurance agency. We help consumers and businesses navigate the world of insurance. Finding the right coverage can be really hard if you're not an insurance expert. We use our insurance expertise and extensive carrier connections to help our clients purchase the policy that meets their needs.\n\n__Q - What does Zero Data mean to you?__\n\n__Nathan__ - Zero Data means minimizing the customer data we hold on to and share with third parties, thereby minimizing what would be compromised in a potential breach.\n\n__Q - How has VGS helped CoverHound?__\n\n__Nathan__ - VGS has helped us create an industry first simultaneous multi-carrier purchase process with only a single customer interaction, while still keeping client financial information from ever touching our servers.\n\n__Q - How do you see the relationship evolving over time?__\n\n__Nathan__ - We would likely move more pieces of data into VGS, securely vaulting any pieces of sensitive data we don't need internally in the lifecycle of the application. Eventually, we may integrate VGS with our phone systems and de-scope our agency operations from PCI.\n\n__Q - How do you quantify the benefit of VGS?__\n\n__Nathan__ - How does one quantify the difference in cost between certifying as SAQ-D or SAQ-A for PCI DSS? At a start, it's really that simple. VGS was the only provider we found that would let us vault arbitrary data without restrictions on how we could process it downstream. In our case, recertification with a QSA was going to cost us twice what VGS would cost in addition to requiring approximately 50% time from 3 senior team members for 3 months every year.\n\n__Q - Any advice for other startups who are beginning security and compliance journey?__\n\n__Nathan__ - Critically evaluate what customer data you hold on to and whether you truly need it. There's some you'll need; that's fine. Classify it based on whether it's needed only for third parties (A), or if the data is important to how your application runs internally (B). Use VGS for A, and do whatever you can to minimize B.\n\n__Q - Who is your favorite superhero and why?__\n![coverhound-vgs](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F6HFqQZ50TahaY5h5eybrM1\u002Fdd42349a49a4c0786f29cab84240735f\u002Fcoverhound-vgs.png)\n\n__Nathan__ - Are we calling the Fast And Furious folks superheroes yet? If so, I would probably say Luke Hobbs because he cares about keeping people safe and he's a great dad to his daughter.\n\n__Q - How can people sign up with CoverHound?__\n\n__Nathan__ - Go to coverhound.com and start shopping! You can quickly and easily comparison shop for auto, home, renters, commercial, and cyber insurance. No signup required!\n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [SteadiPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fzero-data-hero-customer-spotlight-steadipay)",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:B,type:g,createdAt:C,updatedAt:D,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:x,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:t,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:E,type:i,createdAt:F,updatedAt:G,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:A,revision:u,locale:f},fields:{title:t,file:{url:H,details:{size:I,image:{width:J,height:K}},fileName:L,contentType:j}}},bio:M,linkedin:N}},publishDate:"2019-09-05T00:00+03:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Learn more about how VGS helped Coverhound minimize the customer data they hold on to and exchange it with third parties. "}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"6uEvVJpB1X3A4h5Y1tHcx",type:g,createdAt:"2019-07-23T13:47:16.963Z",updatedAt:"2023-10-02T20:12:15.946Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:112,revision:ak,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - United Naturals",slug:"zero-data-hero-customer-spotlight-united-naturals",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bt,type:i,createdAt:aa,updatedAt:aa,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bu,file:{url:bv,details:{size:bw,image:{width:y,height:z}},fileName:bx,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bt,type:i,createdAt:aa,updatedAt:aa,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bu,file:{url:bv,details:{size:bw,image:{width:y,height:z}},fileName:bx,contentType:j}}},description:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n__United Naturals - With VGS, we take data security as seriously as your wellness.__ Learn how United Naturals smoothly integrated with VGS in record time.\n\n",body:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n__United Naturals - With VGS, we take data security as seriously as your wellness.__ Learn how United Naturals smoothly integrated with VGS in record time.\n\nToday’s Zero Data Hero is Douglas Lauer, CTO and co-founder of United Naturals.\n\n![zero-data-hero-doug-2](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F65PozntD8FG6JLuTwokDqP\u002F794607e8427cfab5c55ff2c90cbc6730\u002Fzero-data-hero-doug-2.png)\n\n__Q - Tell us about United Naturals?__\n\n__Douglas__ - United Naturals is a natural health company. Our primary goal is to make healthy supplementation as accessible as possible. We also work to educate people about what they are putting into their bodies. We work with a team of medical professionals to formulate the best products, and we hope that the results speak for themselves for thousands of our customers.\n\n__Q - How did United Naturals approach the challenge of data security?__\n\n__Douglas__ - We grew relatively quickly and we needed to sort out PCI compliance for ourselves in the easiest way possible. Our team identified that a vaulting service was the most efficient way to go. We went with VGS because we liked their proxy approach and the way that the service could just plug itself into our existing way of doing things.\n\n__Q - What does Zero Data mean to you?__\n\n__Douglas__ - Definitely more employee bandwidth to solve business problems, less liability, and less to worry about.\n\n__Q - How has VGS helped United Naturals?__\n\n\u003E The integration was exceptionally smooth. We were able to connect via a shared Slack channel to ask any one-off questions during the process, but honestly, the documentation was clear enough to figure everything out. \n\u003E \n\nVGS Collect wasn't a huge amount of work and we were able to match our form styles aesthetically.\n\nAlso, the sandbox environment and the ability to record and configure the proxy endpoints is well done. The interface of the product is intuitive and simple.\n\n__Q - How do you quantify the benefit of VGS?__\n\n__Douglas__ - Mostly in technical bandwidth gained. The amount of overhead involved in storing and maintaining payment data is mind-boggling and I can see how it can take new companies off guard. Unless you have a big pool of employees ready to deal with the maintenance involved in not only obtaining, but also maintaining PCI compliance, I'd strongly advise against it.\n\n__Q - Who is your favorite superhero and why?__\n\n__Douglas__ - I have been advised by someone I trust on this subject to answer Batman, because of his TENACITY.\n\n![Batman-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F2hvMcj1OW8dZLncbzJdFxj\u002F0c5d738bbaf018d1704280c2525329d2\u002FBatman-zero-data-hero.png)\n\n__Q - How can people sign up with United Naturals?__\n\n__Douglas__ - If you haven't seen one of our advertisements in the wild, I’d encourage you to just take a look at our website and give one of our products a try at \u003Ca href=\"http:\u002F\u002Fwww.unitednaturals.com\" target=\"_blank\" rel=\"noopener noreferrer\"\u003Ewww.unitednaturals.com\u003C\u002Fa\u003E. Caring for your gut and body is important, and we offer a risk-free 60-day money-back guarantee on all of our products!\n",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:B,type:g,createdAt:C,updatedAt:D,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:x,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:t,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:E,type:i,createdAt:F,updatedAt:G,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:A,revision:u,locale:f},fields:{title:t,file:{url:H,details:{size:I,image:{width:J,height:K}},fileName:L,contentType:j}}},bio:M,linkedin:N}},publishDate:"2019-07-23T00:00+03:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Customer Spotlight Zero Data Hero highlights the story of United Natural who take data security as seriously as your wellness."}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"7IXcuR9FKrOkVSSV4XhWmV",type:g,createdAt:"2019-07-10T14:00:52.517Z",updatedAt:"2023-10-02T20:12:59.286Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:167,revision:x,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:" Zero Data Hero Customer Spotlight - Apto",slug:"zero-data-hero-customer-spotlight-apto",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:by,type:i,createdAt:bz,updatedAt:bA,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bB,file:{url:bC,details:{size:bD,image:{width:y,height:z}},fileName:bE,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:by,type:i,createdAt:bz,updatedAt:bA,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bB,file:{url:bC,details:{size:bD,image:{width:y,height:z}},fileName:bE,contentType:j}}},description:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n__“PCI, including our yearly certification, has now become a breeze”__",body:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n__“PCI, including our yearly certification, has now become a breeze”__\n\nToday’s Zero Data Hero is Ben Hwa, Chief of Staff at Apto Payments. He has his hands in every single part of the company including product, compliance, operations, customer success, and even support! He works closely with Meg, the CEO, to ensure they’re serving their customers to the best of their ability and leveraging their relationships to build the slickest platform out there. As Meg would say, “he’s the glue of Apto Payments.”\n\n![ben-hwa-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F6H5XE8wiqmS1eKo0HHrY0I\u002F71dea21191f715853758bcb6e50ae43a\u002Fben-hwa-zero-data-hero.png)\n\n__Q - Tell us about Apto?__\n\n__Ben__ - Apto is a leading-edge card issuance platform. Our differentiator is helping businesses issue cards with fewer constraints, and with more creativity. Our goal is to find new ways to connect people to their assets. We hand hold our clients so that they can launch innovative and customer centric card programs without needing to be experts in payments.  \n\n__Q - How did Apto approach the challenge of PCI compliance?__\n\n__Ben__ - One of the most important topics when we talk to customers \u002F partners is the topic of PCI compliance, and how we protect our customers’ sensitive data. By leveraging VGS’ technology, the Apto platform is certified PCI-DSS level 1, the highest PCI certification level available. Using VGS’ proxy technologies, we can guarantee that PCI protected data is not stored in any of our databases, thus, attacks to steal that information would be useless. We also have additional mechanisms to protect our data from attacks but not having the data stored locally really gives us peace of mind. \n\n__Q - What does Zero Data mean to you?__\n\n__Ben__ - As a fintech startup, people demand\u002Fexpect us to be secure. We’re regularly audited by government agencies, as well as, independent agencies. We’re always trying to figure out how we can do even better when it comes to security since it is so vital to the success of our business. What we love about the Zero Data philosophy is the fact that it limits our scope and therefore our risk. Since we don’t hold sensitive data, many of these audits become less of a burden. Zero Data really allows us to just focus our energy on the important stuff of growing our business.\n\n__Q - How has VGS helped Apto?__\n\n__Ben__ - I would describe the relationship with VGS as multifaceted. For us the relationship goes way beyond just technology. We view VGS as an invaluable partner. You guys think holistically about data security and the ecosystem that Apto now operates in. You’ve been really helpful in suggesting partners that we should connect with. Being a VGS customer also gives us a stamp of approval and credibility when forming new partnerships.\n\n__Q - How do you see the relationship evolving over time?__\n\n__Ben__ - Our relationship with VGS has been evolving from the beginning. We first started working with you when we were a B2C focused company. With our rebranding to Apto, we’ve shifted our focus to B2B and helping other businesses launch successful and innovative new cards. Each step of the way you’ve been there for us and we expect that to continue into the future. Specifically, I think we’ll continue to put more and more PII data on your platform and I also expect that you will help us with new upcoming regulations like the California Consumer Privacy Act (CCPA).\n\n__Q - How do you quantify the benefit of VGS?__\n\n__Ben__ - The main benefit is how easy and fast PCI compliance has become. PCI, including our yearly certification, has now become a breeze. With you we are confident that our PCI data is stored securely. Additionally you guys handle all our data security which really allows us to focus on our product and business. \n\n__Q - Any advice for other startups who are beginning their PCI journey?__\n\n__Ben__ - Startups tend to underestimate the time and resources required to build and certify a system for PCI. This is a huge task, that involves not only technology, but also processes. VGS is a great partner that helped us understand the entire scope of work. My advice to startups that need to be PCI compliant  - partner with VGS.  It’s cheaper and faster than trying to do it yourself and definitely less stressful thanks to VGS’ experience and understanding of how to secure sensitive data no matter the use case. Startups must focus on building innovative products, and resources are really valuable especially in small companies, so working with VGS’ team will decrease your time to market and improve the security of your products.\n\n__Q - Who is your favorite superhero and why?__\n\n__Ben__ - I like Iron Man particularly as portrayed by Robert Downey Jr. in the Marvel movies. Despite his out-of-control ego and obnoxious personality it’s still somehow difficult not to like him. There’s also no denying his universal contributions and realistic views of the world and how to improve it. He exemplifies how ahead of the curve I and the rest of the Apto team are trying to be. \n\n![robert-downey-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F2nOfrgqkt3x432grQTazGq\u002Ff5eb81516befe694a013eea9adba80a8\u002Frobert-downey-zero-data-hero.png)\n\n__Q - How can people sign up with Apto?__\n\n__Ben__ - The best way to contact us about how we help with card issuance is to email us  at hello@aptopayments.com\n\n__About Apto__\n\nApto is a leading-edge card issuance platform. We help companies issue new kinds of cards in new ways. We do it with fewer constraints and more creativity, for a better cardholder experience. Founded in 2014 as Shift Payments, the company worked with Coinbase to launch the first bitcoin debit card.\n\nToday, as Apto, we have broadened our mission, finding new ways to connect people to their assets by helping companies successfully launch innovative, customer-centric card programs to market.\n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [Trim - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fcustomer-spotlight-zero-data-hero-trim)",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:al,type:g,createdAt:am,updatedAt:an,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:ao,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:P,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:ap,type:i,createdAt:Q,updatedAt:Q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:aq,revision:l,locale:f},fields:{title:P,description:ar,file:{url:as,details:{size:at,image:{width:au,height:av}},fileName:aw,contentType:j}}},bio:ax}},publishDate:"2019-07-10T00:00+03:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Customer Spotlight Zero Data Hero highlights the story of Apto who focused their energy on the important stuff of growing business having joined Zero Data Mission."}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"2EHPxXuzNqjawOuCyhtl31",type:g,createdAt:"2019-06-25T15:11:17.152Z",updatedAt:"2023-10-02T20:13:21.597Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:94,revision:9,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:" Zero Data Hero Customer Spotlight - Truebill",slug:"zero-data-hero-customer-spotlight-truebill",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bF,type:i,createdAt:ab,updatedAt:ab,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bG,file:{url:bH,details:{size:bI,image:{width:y,height:z}},fileName:bJ,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bF,type:i,createdAt:ab,updatedAt:ab,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:n,revision:l,locale:f},fields:{title:bG,file:{url:bH,details:{size:bI,image:{width:y,height:z}},fileName:bJ,contentType:j}}},description:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n\n__Truebill - Securing customer data with “beyond bank-level” security.__\n\nToday’s Zero Data Hero is Idris Mokhtarzada, Founder & CTO, Truebill.",body:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n__Truebill - Securing customer data with “beyond bank-level” security.__\n\nToday’s Zero Data Hero is Idris Mokhtarzada, Founder & CTO, Truebill.\n\n![idris-truebill-zero-data-hero 2-2](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F5iPuR10EVJCe6hS5UpXIwC\u002Fc332bcf922d552cfe6195a26497eeb05\u002Fidris-truebill-zero-data-hero_2-2.png)\n\n__Q - Tell us about Truebill?__\n\n__Idris__ - Truebill is the best way for consumers to take control of their finances in order to improve their lives. Our ultimate mission is to improve the financial health of millions of people. We offer best practices around budgeting and saving money. It’s really easy to get started. You first download our app and connect your various bills and bank accounts. We’ll then negotiate on your behalf and find ways to lower your bills. You’ll then receive an email outlining how much you’ve saved. For us we’re not just focused on alerts but rather actionable ways for our customers to save money. \n\n__Q - How did Truebill approach the challenge of data security?__\n\n__Idris__ - For us security is a differentiator. Our customers share some of their most personal data and we want to be sure to honor that trust. We’d heard quite a bit about VGS and we wanted to start Truebill on the correct security foundation.\n\n__Q - What does Zero Data mean to you?__\n\n__Idris__ - When we were setting up the company we thought long and hard about the various attack vectors where we could be vulnerable. Not just external hackers but also internal threats like a disgruntled employee. What’s great about your Zero Data approach, is that even if hackers breached our system, they wouldn’t find anything of value since we don’t hold any sensitive data ourselves.\n\n__Q - How has VGS helped Truebill?__\n\n__Idris__ - There is a number of ways you have helped us. Generally you have made us more secure and simplified our overall approach to security.  To be more specific our developers can now focus their efforts on building great features rather than spend time on building a security infrastructure from scratch. For our customers we feel that we are responsible stewards of their sensitive data. They put a huge amount of trust in Truebill and we need to exceed their expectations.  Our goal has always been beyond bank-level data security and that’s what we get with VGS.\n\n__Q - How do you see the relationship evolving over time?__\n\n__Idris__ - It’s interesting as a customer of yours we’ve seen you guys evolve and develop your product over time. Also, as we’ve grown and developed Truebill we see more and more ways that we can use VGS to secure out customer’s data by adopting your Zero Data approach.\n\n__Q - How do you quantify the benefit of VGS?__\n\n__Idris__ - I would say that it makes compliance and security significantly easier and cheaper. As a startup we can’t afford a dedicated Chief Information Security Officer (CISO) or developers solely dedicated to security. VGS allows us to focus practically all our development on product. It’s like an insurance policy.  For a consumer app like ours it also allows us to differentiate ourselves in terms of security. Our customers are reassured by our approach when they ask about how we are securing their data.\n\n__Q - Any advice for other startups who are beginning security and compliance journey?__\n\n__Idris__ - Many fintech startups will begin with Stripe but as they mature they should use VGS. For us it’s about doing the right thing for our customers and we like the peace of mind that VGS gives us. Startups today can grow much faster than ever before, because there are now companies like VGS that allow them to focus all their energy on their core mission. So my advice is basically to focus on what’s important and use services like VGS to take care of the rest.\n\n__Q - Who is your favorite superhero and why?__\n\n__Idris__ - It would definitely be Batman.  What I like about him is that he actually has no superpowers himself, yet he can go toe-to-toe with Superman! That’s ridiculous. It’s very much a David and Goliath type situation.\n\n![Batman-zero-data-hero 2](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F60Y1s6Z7s9cy4X5n4UTfsQ\u002Fe0dcbf20855f1d4344a1fbda38bff220\u002FBatman-zero-data-hero_2.png)\n\n__Q - How can people sign up with Truebill?__\n\n__Idris__ - Just go to [www.truebill.com](http:\u002F\u002Fwww.truebill.com) to download our free Android or iOS app.\n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [Trim - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fcustomer-spotlight-zero-data-hero-trim)",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:al,type:g,createdAt:am,updatedAt:an,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:ao,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:P,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:ap,type:i,createdAt:Q,updatedAt:Q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:aq,revision:l,locale:f},fields:{title:P,description:ar,file:{url:as,details:{size:at,image:{width:au,height:av}},fileName:aw,contentType:j}}},bio:ax}},publishDate:"2019-06-25T00:00+03:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Customer Spotlight Zero Data Hero highlights the story of Truebill who achieved “beyond bank-level” security  having joined Zero Data Mission."}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"15kXqNil9xXqUtEvE5lcI1",type:g,createdAt:"2019-06-18T15:43:33.527Z",updatedAt:"2023-10-02T20:14:03.691Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:199,revision:ak,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight - Streamline",slug:"zero-data-hero-customer-spotlight-streamline",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bK,type:i,createdAt:ac,updatedAt:ac,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:bL,revision:l,locale:f},fields:{title:bM,description:bN,file:{url:bO,details:{size:bP,image:{width:bQ,height:T}},fileName:bR,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bK,type:i,createdAt:ac,updatedAt:ac,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:bL,revision:l,locale:f},fields:{title:bM,description:bN,file:{url:bO,details:{size:bP,image:{width:bQ,height:T}},fileName:bR,contentType:j}}},description:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n__Streamline using VGS to differentiate itself and remove risk from its business__\n\nToday’s Zero Data Hero is Chris Spears, Executive Vice President and Chief Information Security Officer (CISO) of Streamline VRS. ",body:"*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\n__Streamline using VGS to differentiate itself and remove risk from its business__\n\nToday’s Zero Data Hero is Chris Spears, Executive Vice President and Chief Information Security Officer (CISO) of Streamline VRS. \n\n![chris-spears-zero-data-hero-3](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F1i2qiHAwIH0vGeSAmdRLIe\u002F7eed266c3cb1b534c10ad7545efdc0e7\u002Fchris-spears-zero-data-hero-3.png)\n\n__Q - Tell us about Streamline?__\n\nChris - Streamline is the leading provider of vacation rental software. Our customers are based in North America and range from smaller property management companies, with 25 to 100 units, to much larger ones with 1000’s of units. Our platform helps our customers manage important functions like reservations, accounting, housekeeping, and integrates with booking channels like Expedia, HomeAway and Airbnb to name just a few. We believe that we are the most secure, reliable and innovative software in our industry. Security for us is a focus and we view it as a major differentiator. We handle billions of dollars per year of our customers’ financial transactions so having inadequate security is not an option.\n\n__Q - How did Streamline approach the challenge of PCI compliance?__\n\nChris - PCI is the most important compliance requirement in our industry. Our customers ask about it all the time. From the beginning we wanted to do right by our customers and also, as I mentioned, differentiate ourselves in terms of security. Finally, we wanted to remove a bet-the-company type risk from the table due to a security breach. All these requirements pointed to us needing to work with the experts in compliance and security. That’s how we found Very Good Security in 2016.  \n\n__Q - What does Zero Data mean to you?__\n\nChris - Zero Data to us is all about removing risk. Data privacy, regulations, sensitive data all carry with them risk. We want to remove risk from our company, our applications, and most importantly our customers. We’ve started the Zero Data approach in a very disciplined manner. It began with credit card data, then financial data and ultimately we will remove all PII from our systems. Also, as our company begins to expand internationally I’m sure our Zero Data footing will help with regulations such as GDPR.  \n\n__Q - How has VGS helped Streamline?__\n\nChris - You’ve helped us in a number of ways. Primarily you’ve really taken on the burden and risk of our sensitive credit card data. This helps us to focus more on our core business. Also, I’d say that you’ve been a great development partner. We’ve worked together developing new APIs, as well as, encrypting the data from our new point of sale chip credit card readers which are still in development. \n\n__Q - How do you see the relationship evolving over time?__\n\nChris - The security demands of our industry will only increase. Consumers will continue to push for more privacy and we’ll see more regulation. With these trends we’ll end up leveraging more and more of VGS’ service. We’ll also continue our journey of using VGS for all PCI data, all financial data and then ultimately all PII data.\n\n__Q - How do you quantify the benefit of VGS?__\n\nChris - For a company like ours you are looking at a minimum of six figures per year to achieve and maintain PCI compliance.\n\n\u003E With VGS we can reduce this cost by 80%, and we also have the immeasurable benefit of removing that bet-the-company type risk that I mentioned earlier if a breach occurred.  \n\n__Q - Any advice for other startups who are beginning their PCI journey?__\n\nChris - Yes, get professional help. It will pay for itself. Unless you have deep expertise don’t even think of doing this yourself. With a service like VGS you can quickly minimize your scope and your risk exposure. You’ve got other more important things to worry about when building a company.\n\n__Q - Who is your favorite superhero and why?__\n\nChris - I particularly like Ms. Marvel also known as Carol Danvers. I like her because her powers are at a galaxial scale – I think she is the most powerful of all and tends to go about her business without a lot of drama, just like Streamline!\n\n![сarol-danvers-zero-data-hero](\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F17ji7Phsl6BOip4zR9rkPd\u002F015f43362577768321eed9e969e8a776\u002F__arol-danvers-zero-data-hero.png)\n\n__Q - How can people sign up with Streamline?__\n\nChris - To learn more you can visit us at [www.streamlinevrs.com.](https:\u002F\u002Fwww.streamlinevrs.com)\n\n__About Streamline Vacation Rental Software__\n\nStreamline Vacation Rental Software is smart, modern, powerful, and truly one of a kind. With more than a decade of innovation and proven excellence, Streamline’s cutting edge solution enables companies to streamline operations and maximize their profits. Streamline has quickly become an industry leader, raising the bar in the realm of property management technology. More than just a software, Streamline is a long term business solution formulated by property managers to solve their evolving needs.\n\nRelated articles: \n\n- [Brex - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fbrex-zero-data-hero-customer-spotlight)\n- [DoNotPay - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fdonotpay-zero-data-hero-customer-spotlight)\n- [Trim - Zero Data Customer Spotlight](https:\u002F\u002Fblog.verygoodsecurity.com\u002Fposts\u002Fcustomer-spotlight-zero-data-hero-trim)\n",author:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:al,type:g,createdAt:am,updatedAt:an,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:ao,revision:k,contentType:{sys:{type:a,linkType:h,id:w}},locale:f},fields:{name:P,profilePhoto:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:ap,type:i,createdAt:Q,updatedAt:Q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:aq,revision:l,locale:f},fields:{title:P,description:ar,file:{url:as,details:{size:at,image:{width:au,height:av}},fileName:aw,contentType:j}}},bio:ax}},publishDate:"2019-06-18T00:00+03:00",category:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:o,type:g,createdAt:p,updatedAt:q,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:r,revision:k,contentType:{sys:{type:a,linkType:h,id:m}},locale:f},fields:{title:s}},seoDescription:"Customer Spotlight Zero Data Hero highlights the story of Truebill who removes “bet-the-company type risk from the table”  having joined Zero Data Mission."}},{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:"dyyhJG81hlzkE5I0J1p4e",type:g,createdAt:"2019-04-25T22:28:47.869Z",updatedAt:"2024-02-13T18:53:12.238Z",environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:57,revision:ay,contentType:{sys:{type:a,linkType:h,id:v}},locale:f},fields:{title:"Zero Data Hero Customer Spotlight — Brex",slug:"brex-customer-spotlight",heroImage:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bS,type:i,createdAt:ad,updatedAt:ad,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:bT,revision:l,locale:f},fields:{title:ae,description:ae,file:{url:bU,details:{size:bV,image:{width:bW,height:bX}},fileName:bY,contentType:j}}},heroImage2:{metadata:{tags:[],concepts:[]},sys:{space:{sys:{type:a,linkType:b,id:c}},id:bS,type:i,createdAt:ad,updatedAt:ad,environment:{sys:{id:d,type:a,linkType:e}},publishedVersion:bT,revision:l,locale:f},fields:{title:ae,description:ae,file:{url:bU,details:{size:bV,image:{width:bW,height:bX}},fileName:bY,contentType:j}}},description:"__Brex building the next generation of B2B financial services__\n\n*Our Zero Data Hero Customer Spotlight series highlights the stories of VGS customers who have joined our Zero Data mission to protect the world’s information.*\n\nToday’s Zero Data Hero is Henrique Dubugras, CEO and Co-Founder of Brex, Inc. Henrique is an engineer who previously co-founded Pagar.me, one of the largest payment processors in Brazil reaching over $1.5 billion in GMV in its first three years. His new startup, Brex, is backed by Ribbit Capital, Y Combinator, Greenoaks, DST, and fintech insiders including Max Levchin and Peter Thiel (PayPal), and Carl Pascarella (former CEO of Visa).\n\n",body:"![Group 27](\u002F\u002Fimages.ctfassets.net\u002Fdsd9jdvxe1xf\u002F3XLL1VQ2Z87ed4d6JIMWvk\u002Fbef339a89d8e7cac33735b76ac9b0896\u002FGroup_27.png)\n\n__Q - Tell us about Brex?__\n\n__Henrique__ - We’re a fintech company focused on rebuilding B2B financial products. Our initial focus is offering new innovative corporate cards to segments like venture-backed startups, and e-commerce companies. Because we built our technology from scratch and without the restrictions of legacy systems, our cards offer a 10x better experience. We offer instant onboarding, overall higher credit limits, and a rewards program that startups love. Additionally, we make expense management, accounting and budgeting easy. Our customers spend on average 50% less time on expense reporting. Our latest offering is an e-commerce card that we launched just 2 months ago. It gives our customers a 60-day, interest-free credit line, with limits that are three to five times higher than traditional corporate cards. \n\nAt our core, we are built on the principle of empowering entrepreneurship and allowing companies to focus on what they do best. As we add new products we keep this principle very much in mind. \n\n__Q - How did Brex approach the challenge of PCI compliance?__\n\n__Henrique__ - To answer that question I really need to give you some background, back to my first startup, Pagar.me. I co-founded this company when I was just 16 years old. Pagar.me ultimately became one of the largest payment processors in Brazil. We raised $30 million and hired over 100 employees. One of the biggest lessons I learned was how much effort was involved in achieving PCI compliance. It took us more than a year, countless man-hours, and a significant amount of pain. So when we began formulating the idea for Brex we strategized how to build a fintech company, with best-in-class security, but without having to spend months to reach PCI compliance.\n\n__Q - What does Zero Data mean to you?__\n\n__Henrique__ - The Zero Data concept is the reason we became your customer. The idea of reducing compliance scope, and not having to directly hold sensitive data really aligns with our philosophy. Going back to my Pagar.me days, I know that more scope equals more time to market. Brex has an ambitious roadmap, and it’s reassuring to know that with each new product, compliance does not have to be our primary concern.\n\n__Q - How has VGS helped Brex?__\n\n__Henrique__ - From the beginning, Brex has had aggressive plans, and we knew that to achieve our goals we needed to build quickly. Offloading the bulk of our PCI and security responsibility to VGS has really enabled us to move faster. It’s incredible to think but Brex was founded in late 2017, and we only launched our first card in June 2018. Without VGS we would not have been able to grow as quickly as we have since then. \n\n__Q - How do you see the relationship evolving over time?__\n\n__Henrique__ - VGS will continue to be a key partner for us. As we move into new segments and offer new products, security and compliance will only increase in importance. For example, the California Consumer Privacy Act (CCPA) goes into effect next year. Many companies are still trying to figure out its likely impact and how they will comply. For us, with VGS as a trusted technology and thought partner, we are less worried. \n\n__Q - How do you quantify the benefit of VGS?__\n\n__Henrique__ - I don’t have figures for you but the real benefit for us again is speed to market. We’re able to issue our cards without having to achieve PCI compliance directly. Compliance is becoming more and more onerous, and we prefer to focus on our core competency, building financial infrastructure, and work with external partners on PCI compliance. Another benefit that I haven’t mentioned is that using VGS gives us the ability to connect to multiple payment processors, so we always have options and don’t have to worry about vendor lock-in.  \n\n__Q - Any advice for other startups who are beginning their PCI journey?__\n\n__Henrique__ - Avoid dealing with sensitive and regulated data whenever possible. It will delay your core objective. Thankfully, the technology now exists that allows companies to receive all the benefits of interacting with sensitive data but without any of the associated disadvantages of its possession. \n\n__Q - Who is your favorite superhero and why?__\n\n__Henrique__ - I would have to say Cometa since he is Brazilian. He came from an alternate dimension and he could use his superpowers to control gravity.\n![Group 26-2](\u002F\u002Fimages.ctfassets.net\u002Fdsd9jdvxe1xf\u002F4xiQ2E4opqfTHHeLOCyG9k\u002F0e274d6a7beeb1f9e84aef4a20909174\u002FGroup_26-2.png)\n\n__Q - How can people sign up with Brex?__\n\n__Henrique__ - If you work at a US-based startup, or an e-commerce company with a minimum of $50,000 in monthly sales, we’d love to talk with you to see if we can help your company.\n\n__About Brex__\nFor startups, Brex delivers corporate cards quickly, easily, and with higher limits than traditional corporate cards, instantly and with no personal guarantee. Founded in 2017 by the founders of Brazilian payments processor Pagar.me, Brex is backed by Y Combinator Continuity, Ribbit Capital, Greenoaks, DST Global, Peter Thiel and Max Levchin and has raised a total of $215M in funding. Brex participated in the Y Combinator Winter ’17 batch. The company’s headquarters are in San Francisco. 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