Security Architecture

Tomorrow's Wallet uses non-custodial design, smart contract audits, AES-256 encryption, MFA, and a 24/7 AI risk engine to protect your funds and data.

Our security philosophy

Tomorrow's Wallet is built on a single security principle: your funds should never depend on trusting us.

We use a non-custodial design wherever possible — meaning your USDC is held in audited smart contracts, not on Tomorrow's Wallet's balance sheet. We cannot freeze your funds. We cannot access them unilaterally. We cannot lend them out.

Architecture overview

Non-Custodial Design

Your USDC is deployed directly to the Etherfuse smart contract via your wallet's on-chain address. Tomorrow's Wallet holds:

Your transaction history and rule configurations (encrypted in our database)
Your KYC identity data (required for regulatory compliance)
Not your USDC private keys
Not your deployed Stablebond tokens (these live in the smart contract)

What this means: Even if Tomorrow's Wallet ceases operations, your Stablebond position can be recalled directly via the Etherfuse protocol using your wallet's on-chain address.

Data Encryption

Data Type	Encryption Standard	Location
USDC private keys	Non-custodial (user-held)	User device
Personal data (PII)	AES-256 at rest	EU-hosted encrypted database
Transaction data	AES-256 at rest + TLS 1.3 in transit	EU-hosted encrypted database
KYC documents	AES-256, key-per-user	Isolated encrypted storage
Rule configurations	AES-256 at rest	EU-hosted encrypted database

Authentication

Multi-Factor Authentication (MFA)

Tomorrow's Wallet requires MFA for:

Account login
Any withdrawal or external transfer
Changes to automation rules above ₹10,000 / €500 threshold
API key generation

MFA methods supported:

TOTP authenticator app (Google Authenticator, Authy) — recommended
SMS OTP — available, not recommended for high-security users
Biometric (Face ID / Fingerprint) — supported on iOS and Android

Security recommendation: Use an authenticator app, not SMS. SIM-swap attacks are a known vector for SMS-based MFA bypass.

Role-Based Access Control (RBAC) — Business Wallets

Role	Permissions
Owner	Full access — all settings, billing, team management, fund movement
Admin	All except billing and ownership transfer
Finance Manager	View balances, approve transfers, view rules — cannot modify rules
Viewer	Read-only access to dashboard and reports
Developer	API key access — scoped to specific endpoints

Audit Logs

Every action in Tomorrow's Wallet generates an immutable audit log entry:

text[2026-06-01T08:47:23Z] USER: user@email.com
ACTION: rule_executed
RULE: 'Sunday Reinvest'
AMOUNT: ₹3,241.00
STATUS: success
TX_HASH: 0xabc123...

Logs are:

Retained for 36 months
Exportable as CSV or JSON
Available under Settings → Security → Audit Log
Included in Enterprise compliance exports

GDPR & DPDPA Compliance

Tomorrow's Wallet is registered under BayLeaf OU (Estonia) and compliant with:

GDPR (EU) — full data subject rights: access, erasure, portability, rectification
DPDPA 2023 (India) — Data Principal rights, Data Fiduciary obligations, consent framework
MICA (EU) — regulatory posture for stablecoin wallet operators

Your data rights:

Request a full export of your data: Settings → Privacy → Export My Data
Request account deletion: Settings → Privacy → Delete Account
Withdraw consent for specific data processing: Settings → Privacy → Consent Management

Blockchain data exception: On-chain transaction data (your wallet address, transaction hashes, amounts) is recorded on the Stellar and/or Ethereum blockchain. Blockchain data is immutable and cannot be erased, regardless of GDPR or DPDPA erasure requests. This is disclosed in our Privacy Policy →.

Smart Contract Audits

All smart contracts used in Tomorrow's Wallet (Etherfuse integration, rules execution layer) are:

Audited by [Audit Partner — placeholder] prior to production deployment
Audit reports published at docs.tomorrowswallet.com/audits →
Re-audited on every significant contract update

The Etherfuse protocol itself undergoes independent audits — reports available at etherfuse.com/audits →

Incident Response

If a security incident is detected:

Detect — AI Risk Engine, automated monitoring, or user report
Contain — Affected systems isolated within 15 minutes
Notify — Affected users notified within 72 hours (GDPR Art. 33 requirement)
Remediate — Root cause fixed before service restoration
Review — Post-incident report published within 7 days

To report a security vulnerability:
Email: security@tomorrowswallet.com
PGP key: [published at security page]
Response SLA: 24 hours acknowledgement, 72 hours assessment

Automation Rules