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ZUS Płatnik CVE-2026-110972

| EUVDEUVD-2026-113776 HIGH
Use of Client-Side Authentication (CWE-603)
2026-10-30 CERT-PL GHSA-ww36-383p-7577
8.6
CVSS 4.0 · Vendor: CERT-PL
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Attack ChainAIDerived

Hypothetical attack flow derived from CVE metadata – not a confirmed exploit chain

  1. Access
    Obtain access to a backend-connected Płatnik instance
  2. Exploit
    Defeat client-side login verification
  3. Execution
    Authenticate as arbitrary user
  4. Impact
    Access and submit social-insurance data

Vulnerability Assessment

Weakness
CWE
ASVS 5.0
V6 - Authentication Use of client-side authentication
Exploitation Conditions

Exploitation requires local access (AV:L) to an installed Płatnik application instance that is connected to the backend server; the input explicitly scopes the attacker as one 'with access to any application instance connected to the backend server.' Because authentication is performed client-side (CWE-603), an attacker who can run or manipulate such a connected client bypasses the login verification and authenticates as any user without credentials. The principal limiting factor is this local-access precondition: there is no indication the flaw is reachable remotely over the internet without first obtaining access to a deployed, backend-connected client, which materially narrows realistic exposure compared with a purely network-facing bypass.

Impact

The input assigns a CVSS 4.0 base score of 8.6 (High), driven by AV:L/AC:L/AT:N/PR:N/UI:N with VC:H/VI:H/VA:L. This is a CWE-603 (use of client-side authentication) flaw: once an attacker has access to a backend-connected Płatnik instance, the bypass is trivial (AC:L) and requires no prior authentication (PR:N) - the login check itself is what is defeated. The key limiting signal is the LOCAL attack vector (AV:L): this is NOT remotely exploitable over the internet against an exposed service; the attacker must already have access to a deployed client connected to the backend. The vuln.today Decision label is 'this_week', indicating elevated but not emergency priority. No EPSS score is provided, there is no CISA KEV listing (expected - this is a Polish/ZUS product unlikely to appear in a US catalog), and no PoC or exploit reference is supplied. So the high score reflects genuine ease-of-exploitation and high impact once access is obtained, tempered by the local-access precondition and the absence of any evidence of active exploitation or public exploit code. This is a real, credible priority for organizations running Płatnik, but not a mass-remote-exploitation emergency; EPSS being absent means spread cannot be quantified from the input.

Exploit ScenarioDerived

An attacker with access to a workstation running a Płatnik client that is connected to the organization's backend server manipulates the client-side login verification, authenticating as an arbitrary user without valid credentials. Having impersonated that user, the attacker can view and submit social-insurance documents on their behalf. No public exploit is identified at time of analysis.

This Week Schedule remediation this week. Why: HIGH severity (CVSS 7.0-8.9).
No patch listed yet 0.2% exploitation probability (EPSS)

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AnalysisAIv1 – Oct 30, 2026

Authentication bypass in the Polish Social Insurance Institution (ZUS) Płatnik desktop client lets an attacker who can run or manipulate a client instance connected to the backend server skip the login verification step and authenticate as an arbitrary user without credentials. The flaw is rooted in client-side authentication (CWE-603), and the assessed vector is CVSS:3.1/AV:L/AC:L/PR:N/UI:N/S:U/C:H/I:H/A:L - unauthenticated from a privileges standpoint, but gated by local access to a deployed, backend-connected client, which is the main exposure limiter; CERT-PL reports it as EUVD-2026-113776 and the vendor states it is fixed in metric 242 of version 10.02.002. No public exploit code or active exploitation has been identified at time of analysis, and the vuln.today decision label places remediation in this week's patch cycle rather than an emergency response.

RemediationAI

Vendor-released patch: version 10.02.002 with metric 242 applied; upgrade Płatnik installations to that build, since the vendor identifies metric 242 as the fix for the client-side authentication flaw. Confirm the metric level on each installation rather than relying only on the 10.02.002 version string, because the EUVD affected range includes versions up to and including 10.02.002. Until every backend-connected client is updated, restrict which workstations are permitted to run connected Płatnik instances and limit local administrative rights on those hosts, since the bypass requires the ability to run or manipulate a connected client - the trade-off is reduced flexibility for distributed or multi-user deployments and additional support overhead for the affected users. Advisory and vendor references: https://cert.pl/posts/2026/10/CVE-2026-110970 and https://www.zus.pl/firmy/program-platnik/o-programie-platnik.

Affected VersionsENISA

Płatnik 0 ≤10.02.002

Affected Packages

euvd płatnik no fix

Source: OSV (Open Source Vulnerabilities)

Affects your stack

Affects 1 package in euvd

Checking this CVE against your own stacks and servers is part of the Basic plan and up.

Technical ContextAI · show details

Płatnik is ZUS's Windows desktop application used by Polish employers and payers to prepare and submit social-insurance documentation (declarations and related eForms) to the ZUS backend. The root cause class is CWE-603, Use of Client-Side Authentication: the login/verification decision is made in the client rather than being enforced by the backend, so a modified or attacker-controlled client that is already connected to the backend server can assert an identity of its choosing and be treated as authenticated. The CPE cpe:2.3:a:zakład_ubezpieczeń_społecznych:płatnik confirms the affected product family; EUVD-2026-113776 lists the affected range as Płatnik 0 through 10.02.002. The assessed CVSS:3.1 vector (AV:L/AC:L/PR:N/UI:N/S:U/C:H/I:H/A:L) frames the attack as requiring local access to an installed, backend-connected instance with no credentials and no user interaction, yielding high confidentiality and integrity impact and limited availability impact; the available sources do not describe the exact trigger sequence or which client components must be tampered with, and they do not confirm whether any server-side session validation independently limits impersonation of arbitrary users.

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Severity by source

Vendor (CERT-PL) PRIMARY 8.6 HIGH
CVSS:4.0/AV:L/AC:L/AT:N/PR:N/UI:N/VC:H/VI:H/VA:L/SC:N/SI:N/SA:N
vuln.today AI 8.0 HIGH

Local access to a connected client is required (AV:L); the client-side bypass is trivial and pre-authentication (AC:L/PR:N/UI:N); impersonating any user yields high confidentiality and integrity over insurance data with limited availability impact.

3.1 AV:L/AC:L/PR:N/UI:N/S:U/C:H/I:H/A:L
4.0 AV:L/AC:L/AT:N/PR:N/UI:N/VC:H/VI:H/VA:L/SC:N/SI:N/SA:N

Primary rating from Vendor (CERT-PL).

CVSS VectorVendor: CERT-PL

Attack Vector
Local
Attack Complexity
Low
Attack Requirements
None
Privileges Required
None
User Interaction
None
Vulnerable system: Confidentiality
High
Vulnerable system: Integrity
High
Vulnerable system: Availability
Low
Subsequent system: Confidentiality
None
Subsequent system: Integrity
None
Subsequent system: Availability
None

DescriptionCVE.org

Płatnik performs client-side authentication. An attacker with access to any application instance connected to the backend server can bypass the login verification process and authenticate as an arbitrary user.

This issue was fixed in metric 242 in version 10.02.002.

Executive ViewAI

Why It Matters

The ZUS Płatnik desktop client, a critical tool for Polish social insurance processing, contains an authentication bypass (CVE-2026-110972) that allows an attacker with local access to a connected client to impersonate any user, potentially leading to unauthorized data access and fraudulent transactions. While no active exploitation has been detected, the high severity and potential for significant business disruption-including data breaches and compliance violations-warrant immediate attention from security management.

Business Impact: High
Compensating Controls

No vendor-released patch identified at time of analysis

Threat Intelligence Overview

EPSS Score
0.2%
Top 90% exploitable
Prevalence
Medium
mandatory Polish social-insurance software, widespread within Poland but region-specific
Data Quality
4 sources
Confidence: Medium

How this decision was reached

The engine reads each signal below and applies a fixed list of rules from top to bottom. The first rule that matches sets the recommended action – like a statement, every line is shown.

SignalValue
Severity HIGH
CISA KEV No
Public POC No
EPSS 0.2%
Patch available No
Active threat No
Deciding rule
HIGH severity (CVSS 7.0-8.9)
What every action level means
Emergency Immediate action required. Criteria: CRITICAL + in CISA KEV (actively exploited) without patch, OR CRITICAL + EPSS > 30% without patch, OR CRITICAL + active threat signals without patch.
Act Now Prioritize within 24-48h. Criteria: in KEV with patch available, OR CRITICAL + public POC, OR HIGH + EPSS > 10%, OR CRITICAL + active threat, OR any CRITICAL severity.
This Week Schedule remediation this week. Criteria: HIGH severity (CVSS 7.0-8.9). Patch within normal change window.
This Month Plan within 30 days. Criteria: MEDIUM severity (CVSS 4.0-6.9), lower exploitation probability. Include in regular patch cycle.
Monitor Track and reassess. Criteria: LOW severity (CVSS 0.1-3.9), minimal exploitation risk. No immediate action needed.

SSVC AssessmentENISA

SSVC Decision
Scheduled
Exploitation
None
System Exposure· derived
Small
Automatable
No
Human Impact
High
Technical Impact
Total

Priority Score

43
Low Medium High Critical
KEV: 0
EPSS: 0
CVSS: +43
PoC: 0
Weaponized: 0
Threat intel: 0
Gov advisory: 0

Attack Technique

Authentication bypass attacks exploit flaws in the verification mechanisms that control access to systems and applications.

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