MFA & Credential Security Attestation

This document formalizes the technical controls used by WTD to secure authentication tokens, API credentials, and user access. We attest to the use of cryptographically secure multi-factor authentication and industry-standard encryption for all sensitive data.

1. Multi-Factor Authentication (MFA) Implementation

Access to WTD development environments, production servers, and the Plaid Dashboard is restricted via the following MFA technologies:

• Hardware Security Keys: Use of FIDO2/U2F compliant Yubikey devices for phishing-resistant physical authentication.
• Software-Based TOTP: Use of application-based one-time codes (e.g., Google/Yubico Authenticator) for secondary verification.
• Enforced MFA: MFA is mandatory for all administrative accounts; "password-only" access is strictly prohibited.

2. Credential Generation & Management

WTD mitigates the risk of credential theft and brute-force attacks through high-entropy generation:

• Secure Password Generation: All system passwords and database credentials are generated using cryptographically secure random number generators (CSPRNG), ensuring high entropy and uniqueness.
• Zero-Reuse Policy: Unique credentials are generated for every distinct service, API, and administrative interface within the WTD ecosystem.

3. Encryption of Secrets and Keys

API keys (including Plaid Client IDs and Secrets) and database credentials are secured using "Encryption-at-Rest" principles:

• Environment Encryption: Sensitive keys are never stored in plain-text source code. They are injected into the WTD environment via encrypted secret managers or hardened environment files.
• Storage Security: Any persistent storage of credentials utilizes industry-standard encryption (AES-256 or equivalent) to prevent unauthorized access in the event of physical or digital media theft.

4. Formal Attestation

I, [Your Name], acting as the Lead Developer and Administrator for WTD, hereby attest that the security controls described herein are fully implemented and regularly audited for effectiveness.