Abstract: This invention comprises a system, apparatus, and method ensuring device adherence to security requirements for Personal Area Networks (PANs). Provided security services protect data communicated between PAN-hub-attached devices and their resident data. The invention provides cryptographic keys and certificates, to protect communications between PAN-hub-attached devices, and optional external devices. The invention provides cryptographic software complying with established security requirements for PAN networks. Users submit credentials using: (1) ID smartcards inserted into the PAN hub security apparatus, (2) a cellphone/SIM card, and/or (3) a PIN or password. Based on privileges, users securely access the PAN hub and authorized devices. The PAN hub apparatus ensures that communications between PAN network devices, external devices, and data-at-rest are cryptographically protected, complying with network security requirements.