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[rolanddeschain]

@lumisota

This (except what makes a bank account “real”…) has been discussed in-depth here:

Thanks to everyone who voted in our recent thread to make a decision about building a PIN lock. Here’s an update on what we’re thinking, and why it’ll be a little while longer before it’s released. Let us know what you think below!

and here:

App, Security and Privacy (Fingerprint, Pin, or Password)

I signed up for Monzo due to what I have seen on colleagues IOS App. Now I question whether that was wise even during a Beta period. I don’t understand how any developer for a mobile OS can develop a financial application without ANY security features. Implementing a simple Pin or Password, Fingerprint Sign on or even JUST the requirement of re-entering the CVV number when depositing - cannot be rocket science. If it is for your developers, then an app like that should not be released. You r…