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 SMS 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; SMS 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 → SMS 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.
  • SMS 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.
  • SMS — 8 ₸, 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