Industry Challenge
- Financial institutions operate dense, interconnected systems — trading platforms, risk engines, settlement systems, fraud pipelines, and internal service meshes — all of which depend on large inventories of internally issued certificates.
- These certificates expire silently, create operational fragility, and require an internal CA that is costly and difficult to maintain.
- Cardholder-data environments (CDEs), tokenization vaults, and backup systems rely on encryption keys often tracked manually in spreadsheets or rotated through ad-hoc HSM scripts.
- PCI-DSS requires provable, automated key-lifecycle controls, but manual processes cannot deliver continuous auditability across such a large and dynamic environment.
Amera® Solution
Certificate-Free Service Identity and Audit-Ready Key Governance
- Deterministic, hardware-rooted identity for internal services and workloads — eliminating internal CA operations and removing certificate renewal from the service mesh.
- Internal APIs, gateways, and microservices communicate using continuously rotating symmetric keys instead of static mTLS certificates, reducing outage risk and certificate sprawl.
- AmeraKey® governs encryption keys for databases, data warehouses, tokenization vaults, and backup systems with deterministic derivation, rotation policies, and audit-ready logs aligned to PCI-DSS 3.5–3.7.
- AmeraKey® provides deterministic key lifecycle primitives that can be integrated into P2PE, PIN-pad, and payment-gateway key workflows — reducing manual HSM ceremonies without replacing them.
- All identity and key operations run entirely inside the financial institution’s private infrastructure — no cloud dependency, no external trust chain.
Use Cases
Eliminating Internal Certificate Authorities for Microservices
Internal service meshes often rely on an internal CA that issues hundreds or thousands of certificates. AmeraKey® replaces these certificates with deterministic, hardware-rooted identity that never expires and requires no CA infrastructure.
Preventing Certificate-Driven Outages on API Gateways
API gateways accumulate large inventories of mutual-TLS certificates that must be renewed manually. AmeraKey® replaces these static certificates with auto-rotating symmetric transport keys, eliminating expiry-driven outages.
PCI-Aligned Key Governance for Cardholder Data
Databases, data warehouses, and backup systems storing cardholder data require governed key lifecycle aligned to PCI-DSS. AmeraKey® provides deterministic derivation, rotation, and audit logging for all data-at-rest keys — replacing spreadsheet-based key tracking.
Payment-System Key Lifecycle Automation
P2PE and PIN-pad systems rely on manual HSM ceremonies that are difficult to scale and audit. AmeraKey® provides deterministic key-lifecycle primitives that integrators can use to automate generation, rotation, and logging inside the private payment network.
Secure Internal Service-to-Service Authentication
Trading, settlement, and risk systems require strong mutual authentication without introducing operational fragility. AmeraKey® provides certificate-free, hardware-rooted identity that is lightweight, deterministic, and easy to integrate.
Key Benefits
Zero certificate inventory
Eliminates internal CA operations and removes certificate sprawl across service meshes and API gateways.
Auto-rotating service identity
Keys rotate continuously, reducing operational risk and eliminating expiry-driven outages.
PCI-aligned key governance
AmeraKey® manages the full lifecycle of data-at-rest keys in alignment with PCI-DSS 3.5–3.7.
Reduced operational overhead
Fewer manual HSM ceremonies, fewer spreadsheets, and fewer renewal calendars.
Continuous audit readiness
Every identity and key event is logged and exportable as compliance evidence.
Positioning Statement
Amera® replaces internal PKI and manual key management across the financial enterprise with certificate-free service identity and automated key governance — securing trading, settlement, and cardholder-data systems in alignment with PCI-DSS.