Paytm: Secure UPI Payments
Paytm - One97 Communications Ltd. · Build 10.85.5
Static checks identify review items, not a guarantee of safety.
Overview
1 high or critical finding category to review
Paytm: Secure UPI Payments (net.one97.paytm) scored grade C, 65 out of 100, in a static scan of version 10.85.5 on 2026-10-11. It has 1 high or critical finding among 8 finding categories across 141 occurrences. 9 tracking SDKs are present in the package, which describes what ships, not what runs or what it sends. This is static analysis of a single build: it does not observe the app running and does not establish that any data is exposed.
Start with these findings
highPrivate key material1 occurrence
Interpretation & review guidance
A complete PEM private-key block is embedded in the app. This is a real finding worth review — but it is often a bundled library test/sample key rather than a production secret, so we flag it high and leave confirmation to you (a bare header alone no longer triggers it).
- Evidence
- 1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
mediumExported content provider without permission1 occurrence
Interpretation & review guidance
An exported content provider declares no permission. Other apps on the device may reach it — verify it enforces access control internally; this flags the attack surface, not a confirmed leak.
- Evidence
- 1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
mediumShort signing key (RSA 1024-bit)1 occurrence
Interpretation & review guidance
The signing key is shorter than the modern 2048-bit RSA minimum. Short keys are cryptographically weaker; a release should re-key to at least RSA-2048 (or an EC key).
- Evidence
- 1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Build & components
1 components recorded. Certificate parsing does not validate APK signature integrity.
Inspect build evidence →Findings
8 categories · 141 occurrences. Severity totals describe categories. Expand a finding for interpretation and review guidance.
highPrivate key material1 occurrence
Interpretation & review guidance
A complete PEM private-key block is embedded in the app. This is a real finding worth review — but it is often a bundled library test/sample key rather than a production secret, so we flag it high and leave confirmation to you (a bare header alone no longer triggers it).
- Evidence
- 1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Evidence preview
- Evidence type
- Static string match
- Representative location
assets/test_ap.cer- Recorded match
Pattern recorded; identifying value redacted.- Detector rule
private_key- Recorded file locations
assets/test_ap.cer
1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.
Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.
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mediumExported content provider without permission1 occurrence
Interpretation & review guidance
An exported content provider declares no permission. Other apps on the device may reach it — verify it enforces access control internally; this flags the attack surface, not a confirmed leak.
- Evidence
- 1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Evidence preview
- Evidence type
- Parsed app configuration
- Representative location
AndroidManifest.xml:one97.paytm.trustlogin.TrustLoginContentProvider- Recorded match
TrustLoginContentProvider (exported, no permission)- Detector rule
manifest- Recorded file locations
AndroidManifest.xml:one97.paytm.trustlogin.TrustLoginContentProvider
1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.
Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.
Preview evidence and Pro toolsSearch recorded evidence and save private review notes with Pro. $99/month plus applicable tax.
mediumShort signing key (RSA 1024-bit)1 occurrence
Interpretation & review guidance
The signing key is shorter than the modern 2048-bit RSA minimum. Short keys are cryptographically weaker; a release should re-key to at least RSA-2048 (or an EC key).
- Evidence
- 1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Evidence preview
- Evidence type
- Signing metadata
- Representative location
META-INF/signing:key- Recorded match
RSA-1024- Detector rule
signing- Recorded file locations
META-INF/signing:key
1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.
Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.
Preview evidence and Pro toolsSearch recorded evidence and save private review notes with Pro. $99/month plus applicable tax.
lowAlibaba Cloud OSS bucket reference1 occurrence
Interpretation & review guidance
An Alibaba Cloud OSS bucket reference. Normal to use object storage; risky only if the bucket ACL allows public read/list.
- Evidence
- 1 recorded occurrence in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Evidence preview
- Evidence type
- Static string match
- Representative location
assets/release/app_manager.bin- Recorded match
Pattern recorded; identifying value redacted.- Detector rule
alibaba_oss- Recorded file locations
assets/release/app_manager.bin
1 recorded findings have inspectable metadata. Duplicate matches may share a representative location.
Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.
Preview evidence and Pro toolsSearch recorded evidence and save private review notes with Pro. $99/month plus applicable tax.
lowAmazon S3 bucket reference127 occurrences
Interpretation & review guidance
A reference to an Amazon S3 bucket. Using cloud storage is normal — the risk exists only if the bucket allows anonymous listing/read, which requires a separate authorized assessment.
- Evidence
- 127 recorded occurrences in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Evidence preview
- Evidence type
- Static string match
- Representative location
classes9.dex- Recorded match
Pattern recorded; identifying value redacted.- Detector rule
s3_bucket_url- Recorded file locations
classes9.dexclasses12.dexassets/release/app_manager.bin
127 recorded findings have inspectable metadata. Duplicate matches may share a representative location.
Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.
Preview evidence and Pro toolsSearch recorded evidence and save private review notes with Pro. $99/month plus applicable tax.
lowFirebase Realtime Database reference2 occurrences
Interpretation & review guidance
A Firebase Realtime Database URL. Nearly every app that uses Firebase ships one. It's only an exposure if the database rules are world-readable — that's what live verification checks.
- Evidence
- 2 recorded occurrences in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Evidence preview
- Evidence type
- Static string match
- Representative location
resources.arsc- Recorded match
Pattern recorded; identifying value redacted.- Detector rule
firebase_db- Recorded file locations
resources.arscreleasenossl/google-services.jsonperformance/google-services.jsonlaunchtime/google-services.jsonrelease/google-services.jsonpaytm/benchmarkPerformance/google-services.jsonpaytm/nonMinifiedRelease/google-services.jsonpaytm/nonMinifiedPerformance/google-services.json
2 recorded findings have inspectable metadata. Duplicate matches may share a representative location.
Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.
Preview evidence and Pro toolsSearch recorded evidence and save private review notes with Pro. $99/month plus applicable tax.
lowFirebase Storage bucket reference3 occurrences
Interpretation & review guidance
A Firebase Cloud Storage bucket reference (the default <project>.appspot.com). Storing user files here is normal — it's only an exposure if the Storage security rules allow public read/list, which live verification tests.
- Evidence
- 3 recorded occurrences in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Evidence preview
- Evidence type
- Static string match
- Representative location
resources.arsc- Recorded match
Pattern recorded; identifying value redacted.- Detector rule
firebase_storage_bucket- Recorded file locations
resources.arscreleasenossl/google-services.jsonperformance/google-services.jsonlaunchtime/google-services.jsonrelease/google-services.jsonpaytm/benchmarkPerformance/google-services.jsonpaytm/nonMinifiedRelease/google-services.jsonpaytm/nonMinifiedPerformance/google-services.json
3 recorded findings have inspectable metadata. Duplicate matches may share a representative location.
Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.
Preview evidence and Pro toolsSearch recorded evidence and save private review notes with Pro. $99/month plus applicable tax.
lowGoogle API key (client-shipped; restriction unverified)5 occurrences
Interpretation & review guidance
Android apps are designed to ship Google API keys in the client; Google restricts them by app signing certificate + enabled API. This is only a problem if the key is left unrestricted — presence alone is expected, not an exposure.
- Evidence
- 5 recorded occurrences in the analyzed APK. These are distinct stored findings, not a count of every source match.
- Verification
- Static detection; current reachability is not established.
Evidence preview
- Evidence type
- Static string match
- Representative location
classes9.dex- Recorded match
AIza•••••••• (21–40 chars, redacted)- Detector rule
google_api_key- Recorded file locations
classes9.dex
5 recorded findings have inspectable metadata. Duplicate matches may share a representative location.
Review whether this belongs to intended app functionality or a bundled library. A static match does not establish runtime impact.
Preview evidence and Pro toolsSearch recorded evidence and save private review notes with Pro. $99/month plus applicable tax.
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Privacy signals
Capabilities and bundled software do not prove that data was collected or transmitted.
Precise location Approx. location Camera Microphone Contacts Read SMS Send SMS Phone state List installed apps
Requested permission inventory (49)
Data collection & flow (privacy signal, not part of the grade)
- Approximate location, Precise location requested while 2 ad/attribution SDK(s) are present (Google AdMob, AppsFlyer) — location commonly feeds ad targeting.
- Persistent-identifier APIs referenced in code (Advertising ID (AAID), Android ID, Device ID / IMEI +3 more) with 7 analytics/ad SDK(s) present — the mechanism used for cross-app profiling.
- Camera, Contacts, Microphone, Phone, Photos & files, SMS data requested with third-party analytics/ad SDKs present.
This maps what the app can access (permissions it requests, identifier APIs its code references) to the third parties bundled in it. It reflects capability and SDK presence — not proof that a specific value was transmitted.
Data Safety comparison not recorded.
Trackers & SDKs (9 detected · privacy signal, not part of the grade)
Build & components
Scanned build 10.85.5. Store metadata may describe a newer release.
f12cb49dfff8aeefbd3e1cab1e784f733c05ef74a7243da09d0539819d8272f9Signing certificate (who signed this build — factual, not part of the grade)
6c:c2:6c:fc:e7:ef:3e:83:91:02:d1:9d:a8:3b:e4:ca:a8:55:12:0b:35:1d:94:92:87:d0:5a:06:a2:ea:65:caThe certificate fingerprint identifies the parsed signing certificate. Knowing this public fingerprint does not establish ownership or validate the APK signature.
Component inventory
1 components. Advisory matching covers a curated set; no match is not proof that a component is vulnerability-free.
| Component | Version | Advisory matches |
|---|---|---|
com.squareup.okhttp3:okhttp | 5.0.0 | None recorded |
About this app · store information
About this app
UPI Money Transfer, Bill Payments, Recharge, Personal Loan, Flight, Bus, Train
Screenshots
Scan history
Each row is an observed scan. Gaps between scans do not establish how long a finding existed.
| Scanned (UTC) | Build | Score | Grade |
|---|---|---|---|
| 2026-10-11 06:48 UTC | 10.85.5 | 65 | C |
| 2026-10-04 06:20 UTC | 10.85.5 | 65 | C |
| 2026-09-27 06:18 UTC | 10.85.3 | 58 | C |
| 2026-09-19 07:22 UTC | 10.83.12 | 58 | C |
| 2026-09-12 00:47 UTC | 10.83.12 | 58 | C |
| 2026-09-09 21:11 UTC | 10.84.5 | Not graded | Not graded |
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