The rec only exists as a digital currency, either as a payment card or as a mobile app. The risks and consequences of fraud on cards are of the same nature as credit or debit cards, with an advantage for rec cards, they are worthless outside of the network of establishments that accept them.
The same goes for the computer server. The technological infrastructure of the rec has the most advanced security systems thanks to the “block chain” (blokchain). Because of this, the servers – which replicate all data – are more secure than those of commercial banks, with an advantage for rec servers, which are exclusively dedicated to the network of establishments that accept it. In addition, with the digital currency all transactions are traceable and are subject to the legal systems of data protection, fraud prevention and money laundering.