# Fraud Prevention Measures

<details>

<summary>Authentication Controls</summary>

* Multi-factor authentication (MFA) for every login.
* OTP verification for all critical actions, including deposits, withdrawals, and account changes.

</details>

<details>

<summary>Account Lockout Mechanisms</summary>

* Automated detection of multiple failed login attempts triggers progressive account lockouts (e.g., 5, 10, and 15 minutes).
* Suspicious activity alerts notify account holders of unauthorized attempts.

</details>

<details>

<summary>Enhanced Screening for Vulnerable Individuals</summary>

While InstaPay does not currently implement age-specific controls, ongoing fraud detection ensures that all users are protected from scams and unauthorized access.

</details>


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