Access control is the only gate. When it breaks, there is no second line of defence. The server returns unencrypted plaintext — SSN, card number, and balance, all exposed.
You are Alice Chen (ID 1001). The API uses sequential IDs. There is no cryptographic protection — the server simply looks up the requested ID and returns whatever it stored.
Click any other user to request their record. Because access control alone gates the data, an attacker can read any record by changing the ID number.
The data is never encrypted. There is nothing standing between the attacker and the raw record.
Access control is the only protection layer. When it fails, the server returns exactly what it stored. No secondary protection exists.
XenSplit adds a cryptographic layer so that even a compromised server cannot read protected fields — because the data is split across components that never meet in one place.