Skip to content
Cascade
EN Start for free

For fintech

Confirm logins and sensitive actions with a code sent to the customer’s phone, with messenger channels as a safety net.

Quick Answer

For fintech, Cascade covers login and transaction confirmation: send OTP for a specific action → the customer enters the code → verify on the server. Messengers are cheaper; messenger channels remains the fallback channel.

Summary

In fintech, OTP confirms logins, payments, withdrawals and changes to account details. Cascade delivers the code to the customer’s real number via the WhatsApp → Telegram cascade; the API key and code verification stay on your server.

Key Takeaways

  • Risky actions get their own confirmation flow.
  • Log delivery events, not the code itself.
  • messenger channels as a fallback, not the only channel.

Related Questions

Task

Confirm that the number’s owner is performing the action: app login, payment or transfer, withdrawal, phone or account detail change, accepting an offer.

Flows

Login

  1. The customer enters a phone.
  2. The backend calls /otp/send.
  3. The customer enters the code.
  4. /otp/verify → you create a session.

Transaction confirmation

  • Send a separate code for each risky action and bind it to that specific operation on your server.
  • Short TTL and a limited number of attempts: /faq/ttl-koda.
  • Execute the operation only after a successful verify.

Phone or account detail change

  • Confirm both the old and the new number if your process allows it.

Security and audit

  • The API key lives only on the backend, never in a mobile app or browser.
  • Store delivery and verification events, not the code. Statuses arrive via webhooks.
  • Limit sends per number and per user: /api/rate-limits.

Channels and price

  • WhatsApp / Telegram — 3 ₸ per delivered code.
  • messenger channels — 3 ₸, the cascade fallback channel.
  • You pay only for successful delivery. Packages: /pricing.

Deep dive: /blog/otp-dlya-fintech. Related use cases: /use-cases/saas, /use-cases/ecommerce. Integration guide: /docs.

Test Cascade with your own flow

Open the dashboard and test delivery on your own flow.

Create account View API