Comparison Overview

XP Inc.

VS

Merrill Lynch

XP Inc.

Avenida Chedid Jafet 75, São Paulo, São Paulo, 04551-065, BR
Last Update: 2025-12-09

A XP Inc. é uma das maiores instituições financeiras independente do Brasil, dona das marcas XP, Rico, Clear, XP Educação, InfoMoney, entre outras. Com mais de 4,6 milhões de clientes ativos e um valor superior a R$ 1,1 trilhão de ativos sob custódia, há 23 anos vem transformando o mercado financeiro para melhorar a vida das pessoas. Foi pioneira no mercado com sua rede de assessores de investimentos, que hoje é a maior do país, com mais de 18,3 mil profissionais. Com uma cultura marcante guiada por quatro valores - Sonho Grande, Espírito Empreendedor, Foco no Cliente e Mente Aberta - a XP Inc. está sempre em busca dos melhores talentos que tem ambição de fazer o impossível.

NAICS: 52
NAICS Definition:
Employees: 11,147
Subsidiaries: 1
12-month incidents
0
Known data breaches
0
Attack type number
0

Merrill Lynch

2 World Financial Center, New York, NY, 10281, US
Last Update: 2025-12-09
Between 800 and 849

Founded in 1914, Merrill is one of the largest wealth management businesses in the world. Merrill financial advisors combine financial knowledge and experience with a deep understanding of their clients’ needs to help their clients pursue the lives they want. With a deep commitment to placing their clients' interests first, Merrill financial advisors draw upon the investment insights of Merrill and the banking insights of Bank of America to unlock opportunities tailored to their clients’ needs in many areas of their financial lives. The strategies our financial advisors offer go beyond investment management to include college savings strategies, retirement planning, eldercare, philanthropy, estate planning services, small business services, and access to cash management & banking strategies. Any opinions, views, statements, estimates or projections ("posts") posted on this web page are solely those of the author(s). Merrill Lynch Global Wealth Management is part of Bank of America Corporation's Global Wealth & Investment Management business. Additional Terms, Conditions & Disclaimers found here: https://www.ml.com/social-media/merrill-lynch-on-twitter.html Disclaimer The site is maintained by a third party that has no affiliation with Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S" or "Merrill"). The recommendations posted to this page by or about Merrill employees, are not endorsed by, and may not represent the views. This material is not intended to constitute a recommendation, offer or solicitation for the purchase or sale of any security financial instrument. or strategy. Always consult with your independent attorney, tax advisor, investment managers, and insurance agent for final recommendations and before changing or implementing any financial, tax, or estate planning strategy. Bank of America Linkedin Community Guidelines: http://about.bankofamerica.com/en-us/social-media/linkedin-community­guidelines.html

NAICS: 52
NAICS Definition: Finance and Insurance
Employees: 34,776
Subsidiaries: 1
12-month incidents
0
Known data breaches
3
Attack type number
2

Compliance Badges Comparison

Security & Compliance Standards Overview

https://images.rankiteo.com/companyimages/xp-inc.jpeg
XP Inc.
ISO 27001
ISO 27001 certification not verified
Not verified
SOC2 Type 1
SOC2 Type 1 certification not verified
Not verified
SOC2 Type 2
SOC2 Type 2 certification not verified
Not verified
GDPR
GDPR certification not verified
Not verified
PCI DSS
PCI DSS certification not verified
Not verified
HIPAA
HIPAA certification not verified
Not verified
https://images.rankiteo.com/companyimages/merrilllynch.jpeg
Merrill Lynch
ISO 27001
ISO 27001 certification not verified
Not verified
SOC2 Type 1
SOC2 Type 1 certification not verified
Not verified
SOC2 Type 2
SOC2 Type 2 certification not verified
Not verified
GDPR
GDPR certification not verified
Not verified
PCI DSS
PCI DSS certification not verified
Not verified
HIPAA
HIPAA certification not verified
Not verified
Compliance Summary
XP Inc.
100%
Compliance Rate
0/4 Standards Verified
Merrill Lynch
0%
Compliance Rate
0/4 Standards Verified

Benchmark & Cyber Underwriting Signals

Incidents vs Financial Services Industry Average (This Year)

No incidents recorded for XP Inc. in 2025.

Incidents vs Financial Services Industry Average (This Year)

No incidents recorded for Merrill Lynch in 2025.

Incident History — XP Inc. (X = Date, Y = Severity)

XP Inc. cyber incidents detection timeline including parent company and subsidiaries

Incident History — Merrill Lynch (X = Date, Y = Severity)

Merrill Lynch cyber incidents detection timeline including parent company and subsidiaries

Notable Incidents

Last 3 Security & Risk Events by Company

https://images.rankiteo.com/companyimages/xp-inc.jpeg
XP Inc.
Incidents

No Incident

https://images.rankiteo.com/companyimages/merrilllynch.jpeg
Merrill Lynch
Incidents

Date Detected: 2/2025
Type:Breach
Attack Vector: Inadvertent Disclosure
Blog: Blog

Date Detected: 10/2024
Type:Breach
Blog: Blog

Date Detected: 4/2024
Type:Breach
Attack Vector: Human Error (Email Misconfiguration)
Blog: Blog

FAQ

Merrill Lynch company demonstrates a stronger AI Cybersecurity Score compared to XP Inc. company, reflecting its advanced cybersecurity posture governance and monitoring frameworks.

Merrill Lynch company has historically faced a number of disclosed cyber incidents, whereas XP Inc. company has not reported any.

In the current year, Merrill Lynch company has reported more cyber incidents than XP Inc. company.

Neither Merrill Lynch company nor XP Inc. company has reported experiencing a ransomware attack publicly.

Merrill Lynch company has disclosed at least one data breach, while XP Inc. company has not reported such incidents publicly.

Neither Merrill Lynch company nor XP Inc. company has reported experiencing targeted cyberattacks publicly.

Neither XP Inc. company nor Merrill Lynch company has reported experiencing or disclosing vulnerabilities publicly.

Neither XP Inc. nor Merrill Lynch holds any compliance certifications.

Neither company holds any compliance certifications.

Both Merrill Lynch company and XP Inc. company have a similar number of subsidiaries worldwide.

Merrill Lynch company employs more people globally than XP Inc. company, reflecting its scale as a Financial Services.

Neither XP Inc. nor Merrill Lynch holds SOC 2 Type 1 certification.

Neither XP Inc. nor Merrill Lynch holds SOC 2 Type 2 certification.

Neither XP Inc. nor Merrill Lynch holds ISO 27001 certification.

Neither XP Inc. nor Merrill Lynch holds PCI DSS certification.

Neither XP Inc. nor Merrill Lynch holds HIPAA certification.

Neither XP Inc. nor Merrill Lynch holds GDPR certification.

Latest Global CVEs (Not Company-Specific)

Description

LibreChat is a ChatGPT clone with additional features. In versions 0.8.0 and below, there is no handler for JSON parsing errors; SyntaxError from express.json() includes user input in the error message, which gets reflected in responses. User input (including HTML/JavaScript) can be exposed in error responses, creating an XSS risk if Content-Type isn't strictly enforced. This issue does not have a fix at the time of publication.

Risk Information
cvss4
Base: 5.3
Severity: LOW
CVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:P/VC:L/VI:L/VA:N/SC:N/SI:N/SA:N/E:X/CR:X/IR:X/AR:X/MAV:X/MAC:X/MAT:X/MPR:X/MUI:X/MVC:X/MVI:X/MVA:X/MSC:X/MSI:X/MSA:X/S:X/AU:X/R:X/V:X/RE:X/U:X
Description

LibreChat is a ChatGPT clone with additional features. In versions 0.8.0 and below, when creating prompts, JSON requests are sent to define and modify the prompts via PATCH endpoint for prompt groups (/api/prompts/groups/:groupId). However, the request bodies are not sufficiently validated for proper input, enabling users to modify prompts in a way that was not intended as part of the front end system. The patchPromptGroup function passes req.body directly to updatePromptGroup() without filtering sensitive fields. This issue is fixed in version 0.8.1.

Risk Information
cvss4
Base: 5.3
Severity: LOW
CVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:P/VC:L/VI:L/VA:N/SC:N/SI:N/SA:N/E:X/CR:X/IR:X/AR:X/MAV:X/MAC:X/MAT:X/MPR:X/MUI:X/MVC:X/MVI:X/MVA:X/MSC:X/MSI:X/MSA:X/S:X/AU:X/R:X/V:X/RE:X/U:X
Description

LibreChat is a ChatGPT clone with additional features. In versions 0.8.0 and below, when a user posts a question, the iconURL parameter of the POST request can be modified by an attacker. The malicious code is then stored in the chat which can then be shared to other users. When sharing chats with a potentially malicious “tracker”, resources loaded can lead to loss of privacy for users who view the chat link that is sent to them. This issue is fixed in version 0.8.1.

Risk Information
cvss4
Base: 8.6
Severity: LOW
CVSS:4.0/AV:N/AC:L/AT:N/PR:N/UI:P/VC:H/VI:H/VA:N/SC:L/SI:L/SA:N/E:X/CR:X/IR:X/AR:X/MAV:X/MAC:X/MAT:X/MPR:X/MUI:X/MVC:X/MVI:X/MVA:X/MSC:X/MSI:X/MSA:X/S:X/AU:X/R:X/V:X/RE:X/U:X
Description

MaxKB is an open-source AI assistant for enterprise. Versions 2.3.1 and below have improper file permissions which allow attackers to overwrite the built-in dynamic linker and other critical files, potentially resulting in privilege escalation. This issue is fixed in version 2.4.0.

Risk Information
cvss3
Base: 8.8
Severity: LOW
CVSS:3.1/AV:N/AC:L/PR:L/UI:N/S:U/C:H/I:H/A:H
Description

MaxKB is an open-source AI assistant for enterprise. In versions 2.3.1 and below, the tool module allows an attacker to escape the sandbox environment and escalate privileges under certain concurrent conditions. This issue is fixed in version 2.4.0.

Risk Information
cvss3
Base: 8.8
Severity: LOW
CVSS:3.1/AV:N/AC:L/PR:L/UI:N/S:U/C:H/I:H/A:H