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The financial technology industry concentrates economic value by making money movement faster, cheaper, and more broadly accessible. As a result, digital financial products are persistent targets for adversaries seeking to extract, divert, or disrupt that value.

These attacks are not exceptional events, but an inherent consequence of how modern financial services are delivered at digital scale.

This paper examines how common attack patterns across the FinTech industry map directly to where and how value is created within financial technology products.