Member-grade security without a platform team to run a gateway.
Credit unions protect member accounts under NCUA and GLBA with leaner IT teams than the megabanks they compete with. B5 Secure is a library, not a platform — it compiles into your .NET digital-banking applications and enforces per-action authority with no gateway to operate and no member data leaving your boundary.
Megabank threats, member-owned budgets.
Credit unions face the same account-takeover and payment-fraud pressure as large banks, but with smaller security and platform teams and a member-first cost structure. Standing up and operating an external authorization gateway or onboarding a new data-processing vendor is real overhead. B5 removes both: enforcement ships as a .NET library that runs inside the systems your team already runs.
Credit-union supervision, mapped to enforcement.
A library footprint shrinks the vendor-risk and examination surface a lean team must manage.
| Framework | What it requires | How B5 enforces it |
|---|---|---|
| NCUA Part 748 / Appendix A | Information-security program with access controls and response | Per-action [Permission] enforcement and suspension on signal |
| GLBA Safeguards Rule | Least-privilege access to member financial information | Scoped credentials and data-element-level data minimization |
| FFIEC Authentication | Layered, risk-based authentication for high-risk activity | CAEP/SSF risk inputs with step-up at thresholds |
| BSA / AML | Suspicious-activity monitoring and timely action | Suspend a member operation on AML signals at the next call |
| NACHA Rules | Controls over ACH origination and exposure | Amount- and account-scoped authorization at the origination method |
Enterprise enforcement, credit-union footprint.
The library model is the differentiator: no gateway, no sidecar, no new sub-processor for a lean team to vet.
No gateway to operate
Enforcement compiles into your .NET apps — nothing new to deploy, scale, or secure on the hot path.
Per-action member authority
Each transfer, payment, and account change is authorized at the method against the member and amount.
Shorter vendor review
Because no member data leaves your boundary, most sub-processor and residency questions simply do not apply.
Risk-adaptive step-up
Live risk signals drive step-up only where the risk is, keeping member friction low.
Scoped integrations
Service-Key grants a fintech integration only the endpoints it needs — least privilege at the credential.
Examiner-grade audit
Every action is logged at the execution point with full attribution.
Agentic automation for lean teams.
Member copilots
An assistant drafts a member action for staff to confirm; high-impact steps require step-up.
Reconciliation agents
Read-only agents reconcile member ledgers without movement rights.
Signal-driven suspension
A fraud signal suspends a member operation before it commits.
B5 enforces; your core and IdP remain.
The in-app PEP that respects a lean team’s budget.
B5 does not replace your core, digital-banking vendor, or IdP. It is the in-process enforcement point that makes their decisions binding — delivered as a library so a lean credit-union team avoids operating a gateway or onboarding a new data-processing cloud. Less surface, faster review, lower cost.
Megabank-grade enforcement, member-owned footprint.
See how a library — not a platform — gives your team per-action enforcement with no gateway and no new vendor to vet.
Regulated-grade enforcement, at the record.
Thirty minutes with a B5 engineer: your industry’s obligations, the B1–B5 pipeline, and a data-element authorization decision you can watch happen — with the evidence trail your examiners ask for.