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
Native bias detection and correction (IBM AIF360), regular fairness audits, compliance with Bill C-27 and OSFI requirements. Fair AI by design.
Full transparency
Every score is explained factor by factor (SHAP/XAI). Right to explanation for each SME and full traceability for financial institutions.
A scientifically validated AI engine
TrustScore v2.0 is built on a gradient boosting model trained on 10,000 records, with a secure cloud architecture hosted in Canada. An R&D project co-funded by NRC/IRAP and 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 v2.0 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
With secured funding, TrustLayer is hiring 5 talents by 2027: senior ML engineer, full-stack developer, sales lead, DevOps/SRE engineer and data scientist / AI compliance — creating 12 skilled jobs in Quebec by year 3.
A high-potential impact opportunity
TrustLayer combines validated technology, a massive underserved market and strong Canadian institutional support.
Let's discuss your participation
Fonds Impulsion IQ, BDC Capital, angel investors: we are raising capital to move from pilot to 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.