CVE-2026-26063 is a vulnerability classified under CWE-20 (Improper Input Validation) found in the CediPay application developed by xpertforextradeinc. CediPay is a crypto-to-fiat payment app targeting the Ghanaian market, facilitating cryptocurrency transactions converted into local currency. The vulnerability exists in versions prior to 1.2.3 within the transaction API, where input validation mechanisms can be bypassed. This flaw allows an unauthenticated attacker to send crafted requests that circumvent validation checks, potentially enabling manipulation of transaction parameters such as amounts, recipient addresses, or transaction types. The vulnerability does not require any privileges or user interaction, making it remotely exploitable over the network. The improper input validation can lead to unauthorized transactions, financial fraud, or disruption of service integrity. Although no public exploits have been observed, the CVSS 4.0 score of 8.8 indicates a high risk due to the ease of exploitation and the critical nature of financial transactions. The vendor has addressed the issue in version 1.2.3, and users are strongly advised to upgrade. In the interim, mitigating controls such as restricting API access to trusted IP ranges, implementing additional application-layer input validation, and monitoring transaction logs for suspicious activity are recommended to reduce exposure.

The vulnerability poses a significant risk to the confidentiality and integrity of financial transactions processed by CediPay. Attackers exploiting this flaw can manipulate transaction data, potentially causing unauthorized transfers, financial loss, or disruption of payment services. This could undermine user trust and damage the reputation of the service provider. Since the app deals with crypto-to-fiat conversions, exploitation could also facilitate money laundering or fraud schemes. The lack of required authentication and user interaction increases the attack surface, enabling remote exploitation by any attacker with network access to the API. Organizations relying on CediPay for payment processing or financial services in Ghana face operational and financial risks until the vulnerability is remediated. Additionally, regulatory compliance issues may arise if financial data integrity is compromised. While no known exploits are currently reported, the high CVSS score and critical nature of the affected functionality necessitate urgent attention.

1. Upgrade CediPay to version 1.2.3 immediately to apply the official patch that fixes the input validation flaw. 2. Restrict access to the transaction API by implementing network-level controls such as IP whitelisting or VPN access to ensure only trusted clients can communicate with the API. 3. Implement strict server-side input validation at the application layer, employing allowlists for acceptable input formats, lengths, and value ranges to prevent malformed or malicious data from being processed. 4. Deploy real-time monitoring and anomaly detection on transaction logs to identify unusual patterns, such as unexpected transaction amounts or frequencies, which may indicate exploitation attempts. 5. Conduct regular security assessments and penetration testing focused on the transaction API to verify the effectiveness of mitigations. 6. Educate development and operations teams about secure coding practices related to input validation and API security to prevent similar issues in future releases. 7. Consider implementing multi-factor authentication or transaction confirmation steps for high-value or sensitive transactions to add an additional security layer.