Frequently Asked Questions

How does it work?

Mati is like a trusted party that vouches for your true identity to another person or business. Like a friend introducing you to another person, the trust is facilitated and verified by the person who knows both people.

Is it Secure?

In short, yes it is. In fact, the lack of security in most of the applications we use today is the reason we built Mati. We strongly believe the only path forward in securing our digital lives is to lift this responsibility away from users and put it on the technology around us. As we see it, security is either missing altogether or too frustrating to use. That is why we tried to minimize the difficulty and make Mati easy to use, but keep security as the highest priority.

We use highly secure cryptographic methods to secure your data at Mati. All of your sensitive data is encrypted using standards-based crypto-algorithms. Unlike proprietary algorithms, standards-based algorithms have gone through public scrutiny by industry and security experts that reduces the chance of any inherent weaknesses or vulnerabilities.

We also continuously make the best effort to secure our servers online and client applications locally. All the networking is done through secure TLS channels with the most up to date versions, thus minimizing any men in the middle (MITM) attacks. We created an architecture for storing sensitive data such that even in case of a data breach it is almost impossible for the bad actor to get into your account remotely without owning your phone first.

How much Privacy does a user have when they use Mati?

Mati is built with the user’s privacy and security in mind. We keep all the sensitive data encrypted and locally on your device.This is not only a great way to keep your data private, but also is a great way to keep your data safe with you, (in case of a breach), as it is stored locally on your device.

Do you save my photos?

Some of the data is used to further improve the visual recognition, so say if you grew a beard or got a face tattoo - your device will understand it’s still you ;)

We keep some of the authentication frames on our secure server for 60 days. These files are completely stripped from a metadata and anonymized so that even we are unable to correlate them with your account. The metadata and the path to the files are encrypted using a secret available only on your mobile device so that only you can decrypt them. It works a bit like Siri on iPhones or amazon Alexa.

In the case of a dispute, the encrypted file is sent to your device in order to be decrypted and sent to the support team to start the investigation.

Can I send money to someone outside of the US?

Yes, if they have an American bank account. We will get to non-US bank accounts fairly soon but right now you can send it to anyone with a US bank account. In order to protect everyone involved, one of the parties has to become “verified” via the mati app. The process of verification is fast and places the user in a special trusted group on the mati network.

What happens if I lose my phone?

There is nothing to worry about. Your account is tightly coupled to your device, so when you lose your device you can’t log in using another one. In case you lose your device, you should first and foremost deactivate it remotely. You can also reach out to our support team who will hibernate your mati profile. When you have a new device, you can restore your mati account by logging into your funding sources again.

Why did the transaction fail?

Sometimes transactions to or from a bank or credit union can fail. Here are a few reasons why a transaction can fail:

a. Insufficient funds. There are insufficient funds in the sending bank or credit union account to complete the transaction.

b. Frozen account. A bank or credit union account has been frozen.

c. Other reasons. A bank or credit union rejects the transaction for some other reason. If a transaction fails, please contact your bank or credit union to check on the status of your account. Then either re-initiate the transaction or ask your financial institution why the transaction was not be processed.

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