Secure Pass
Grant a named person delegated spending access up to a defined cap, with an expiry. The granter controls the scope. Richer merchant and category controls are planned for SecurePass 2.0.
Problem it solves
Handing someone cash or sharing account credentials to cover an errand removes visibility and control. Secure Pass lets you delegate spending up to a cap, track usage in real time, and revoke access without revoking already-settled purchases.
Who uses it
Account holders who want to give a trusted person — a family member, employee, or assistant — controlled spending access for a specific purpose or duration, without transferring funds.
Complete scenario
Illustrative example
Setup
The account holder grants Ada up to ₦30,000 for a grocery errand, expiring 30 Sep 2026 at 18:00. Ada can spend from this allowance anywhere it is accepted.
After use
Ada spends ₦12,000. The remaining allowance is ₦18,000. An attempt to spend ₦20,000 is declined — it exceeds the remaining allowance.
Key clarifications
vs. Mandates
Secure Pass grants a named person controlled spending access up to a cap for a purpose. A Mandate authorises a service or entity to initiate defined actions (such as recurring debits) within stated limits — the authority model is similar, but the actor and use case differ.
FAQs
How is Secure Pass different from a Family Wallet?+
Secure Pass grants a person a capped, time-limited spending allowance from your account for a specific purpose. A Family Wallet (if offered) is a shared wallet structure with its own balance. Secure Pass is delegation; a shared wallet is joint ownership of a separate balance.
Can the recipient see my account balance?+
No. The recipient sees the allowance they were granted and their usage within that allowance. Your account balance is not visible to them through Secure Pass.
Does SecurePass 2.0 exist yet?+
No. SecurePass 2.0 with richer merchant and category controls is planned but not yet available. Current Secure Pass provides basic controls: cap, expiry, and revocation.
What happens to settled purchases if I revoke the pass?+
Revocation stops future spending. It does not reverse purchases that already settled while the pass was active. Settled transactions are final.