If it's not in the app, it's not your bank.
Covariance Trust Fabric is a proposed industry standard for verified bank–client contact. The bank contacts app-using clients inside the app, for calls and messages, and the bank and the client's device prove themselves to each other before anything sensitive is said.
Verification runs in one direction. Criminals exploit the other.
A client is asked to prove who they are, but has no dependable way to prove who is calling. A convincing call or SMS that claims to be from the bank is hard to tell apart from the real thing.
Source: SABRIC Annual Crime Statistics 2025, which identifies vishing-led authorised payment fraud as a dominant pattern.
Simple enough to remember. Strong enough to rely on.
For clients who bank through an app, the bank contacts them inside the app, for calls and for messages. Before anything sensitive is said, the bank and the client's device prove themselves to each other.
A client who follows one rule, if it's not in the app, it's not my bank, can treat any other call or SMS claiming to be the bank as suspect.
A rule like this protects clients best when many banks keep it. That is why we are developing it as an industry standard.
Neutral by design. Run by each bank.
Each bank keeps its own keys, client data and choice of integration partner.
Vendor-neutral
Designed as an open industry standard for verified bank–client contact, intended to be governed by the industry.
Run by each bank
Each bank runs its own implementation in its own environment, keeps its own keys and client data, and chooses its own integration partner.
Built on what banks have
Designed to work with banks' existing apps and contact centres, not to replace them.
Didusec licenses; it never operates
Didusec authors the standard, licenses it and certifies implementations. It does not operate any bank's channel. No central platform, no single vendor to depend on.
Working proof. Protected design.
- A working technical proof, including a verified in-app call on an Android phone.
- Engaging with industry stakeholders.
- Patent pending: South African applications 2026/09174, 2026/09341 and 2026/09784.
For banks, integration partners and industry bodies.
Detail is shared under a mutual non-disclosure agreement.
Stan Molema, Founder and Managing Director
[email protected] · +27 81 356 8989