Financial intelligence in the service of inclusion.
We build TrustScore, an AI-powered alternative credit scoring engine that assesses SME creditworthiness from their real data — not their collateral. To give credit access to those who deserve it.
Strong SMEs, wrongly deemed risky
It's not a solvency problem — it's a perception gap. Traditional credit methods exclude financially reliable entrepreneurs for lack of tools suited to their reality.
Unsuited criteria
Banks require a banking history and real-estate collateral that immigrant, diaspora or informal-economy SMEs simply don't have.
Fragmented data
Mobile payments, tontines, informal savings: a wealth of real financial data, entirely ignored by classic scoring.
Systemic bias
Lending processes reproduce biases that unfairly penalize certain populations, despite a genuinely low risk.
TrustScore — the rating they deserve
An objective, transparent and fair credit score, computed from alternative data and explainable AI.
Alternative data
Mobile payment transactions (MTN MoMo, Orange Money, Wave), billing history, payment behaviour, digital reputation — to score even without a formal bank account.
Algorithmic fairness
Bias detection and correction (IBM AIF360) being integrated into the engine. Designed to anticipate upcoming Canadian requirements for responsible AI. Fair AI by design.
Full transparency
Factor-by-factor explanations (SHAP) are being integrated, to give each SME a right to explanation and financial institutions full traceability.
Two products, one infrastructure
Technologies TrustLayer Inc. builds two product lines for Central Africa, carried by its Cameroonian subsidiary TrustLayer Africa, currently being incorporated. The same mobile money rail, the same customers, two gaps to close.
TrustScore — credit scoring
Assessing SME creditworthiness from their mobile money data rather than their collateral. Per-score explanations and fairness control being integrated.
AKUM — digital savings
A savings platform for the CEMAC region: regulated investment products from 1,000 FCFA, subscribed and redeemed through mobile money, with redemption on the next business day. In preparation — the launch remains subject to the required authorizations.
Savings built on AKUM become the down payment for credit scored by TrustScore. The same technical integration with mobile money operators serves both products.
An explainable AI engine, under validation
TrustScore is a prototype gradient boosting model trained on 10,000 reference records, in field pre-validation, on secure infrastructure hosted in the European Union (Hetzner, Helsinki). An NRC-IRAP co-funding application is under way; the work is documented for SR&ED tax credits.
A measurable mission
Democratizing credit means creating wealth where it is blocked — in Quebec, within the diaspora, and across francophone Africa.
A rare, dual-culture expertise
TrustLayer is driven by a founder combining Canadian technical excellence and on-the-ground knowledge of African markets.
Patrick Martin KENFACK
Senior software architect with 15+ years of experience in Java enterprise development, microservices architecture and cloud. His career — Devoteam (Paris), CGI (Montreal), Hydro-Québec — spans finance, energy and IT consulting for large organizations.
Of Cameroonian origin and established in Canada since 2016, he single-handedly designed and built the TrustScore engine. His intimate knowledge of African mobile-payment markets, combined with his command of Canadian regulatory environments, is TrustLayer's core competitive advantage.
Areas of expertise
A growing team
Subject to the funding applied for, TrustLayer plans to hire 5 talents by 2027: senior ML engineer, full-stack developer, sales lead, DevOps/SRE engineer and data scientist / AI compliance — 12 skilled jobs targeted in Quebec by year 3.
A high-potential impact opportunity
TrustLayer combines an advanced technical prototype, a massive underserved market and a structured public funding plan.
Let's discuss your participation
Fonds Impulsion IQ, BDC Capital, angel investors: we are raising capital to run the first pilots, then commercial deployment.
Get the investor deck →Let's build financial inclusion together
Financial institution, investor or partner? Write to us and we'll get back to you quickly.