# Banking and Finance

> Zero Standing Secrets for regulated financial institutions. Eliminates key management risk, enables hardware-enforced multi-party approval, satisfies audit requirements cryptographically.

## What It Replaces

- Long-lived signing keys for payments, settlements, and treasury operations
- Procedural multi-party approval for high-value transactions
- Periodic key ceremonies and rotation work
- Audit trails based on log files rather than cryptographic evidence

## What It Enables

- Hardware-enforced quorum approval for every regulated operation
- Cryptographic audit evidence acceptable to financial regulators
- Reduced operational risk and lower insurance exposure
- Sovereign deployment in jurisdictions with data-localisation requirements

## Related

- Hierarchical Signatures: /api/md/features/hierarchical-signatures
- Payments solution: /api/md/solutions/payments
- Enterprise Security solution: /api/md/solutions/enterprise-security