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Zero-knowledge encryption

Cards are encrypted on your device. The server only stores ciphertext.

Encrypted before it leaves the phone

Card numbers, barcodes, PINs, and notes are encrypted on your device with ChaCha20-Poly1305. What reaches CardWarden's server is ciphertext. A copy of the database, or a breach of the host, does not hand anyone readable cards.

Keys stay with you

The key that decrypts your cards is wrapped by a key derived from your master password or your recovery phrase, using PBKDF2-HMAC-SHA256 with 600,000 iterations. CardWarden does not have a copy of that password or phrase, so we cannot open the vault for you, for a retailer, or for an advertiser.

What this page leaves out

Sharing, family pockets, and backup each use their own wrapped keys. The diagrams, iteration counts, and threat model live in the security white paper. This page is the short version: your cards are encrypted on the device, and the server cannot read them.

More of the wallet

Common questions

Can CardWarden read my cards?

No. Card data is encrypted on your device before upload. We do not have the password or recovery phrase needed to unwrap the key.

What algorithm is used?

ChaCha20-Poly1305 for the card data, with keys derived using PBKDF2-HMAC-SHA256. Details are in the security white paper.

Is a PIN the same as encryption?

No. A PIN or biometric lock stops someone who picks up your phone. Encryption stops someone who gets a copy of the stored data.

Where is the full write-up?

The security white paper covers key wrapping, sync, sharing, and export.

A wallet even we cannot read

Download CardWarden and add your first card. It is encrypted on your phone before it ever leaves.

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