SCORE360Your first credit decision
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Technology

An architecture where your data never moves.

SCORE360 is built on three non-negotiable principles: data sovereignty, progressive scalability, BCEAO regulatory compliance. Not as constraints — as foundations.

Data sovereignty

Clients' raw data never leaves the institution's perimeter. Zero exposure guaranteed by architecture.

Progressive scalability

A new client provisioned in hours. Zero impact on existing institutions, zero migration.

BCEAO compliance

Data residency within UEMOA territory. Hosted at Raxio CI Tier III, Abidjan. Compliance by design.

Federated Learning

Train the AI without centralising data.

Each institution trains the models locally. Only parameters — weights and gradients, encrypted and anonymised — travel to ENGINE™, which aggregates them into an optimised global model. Data stays where it was born.

Institution ALocal modelData never moves
Encrypted parameters only
ENGINE™Secure aggregation
Improved model
Institution BImproved modelGains from network effect
0
Client data pooled
100%
Confidentiality preserved
Continuous model improvement
+1
partner = sharper scoring
Private cloud infrastructure

Hosted at Raxio CI, in Abidjan.

The only Tier III–certified datacenter in Côte d'Ivoire. Each partner institution gets a fully isolated environment — dedicated VMs, private VLAN, independent database.

  • Dedicated VMs & a private VLAN
  • Independent database per client
  • Redundant power & 99.99% uptime
  • Full-ecosystem on-premises option
Isolated environments
Banque Atlantique
vlan-014 · db-isolated
99,99%
IMF Coopec
vlan-021 · db-isolated
99,99%
New client
provisioned in hours
Security

Bank-grade standards, by design.

Our Chief Security Officer brings critical-systems security experience at the highest level. Security isn't a layer — it's a foundation.

TLS 1.3

End-to-end encryption of all network communications.

RBAC

Role-based access control — granularity down to the operation level.

Secure aggregation

Only anonymised, encrypted model parameters travel. Never raw data.

Logging & audit

Complete, immutable traceability of every sensitive operation.

GDPR & compliance

Data governance aligned with BCEAO and GDPR regulatory frameworks.

DevOps & resilience

Continuous deployment, proactive monitoring and 99.99% uptime.

Regulatory framework

A Tech-Enabler — never a lender.

SCORE360 acts purely as a technology-services provider: analysis, scoring, monitoring. The lending decision remains entirely the partner institution's responsibility.

Far from an obstacle, the regulatory framework is a natural barrier to entry for non-compliant players — one SCORE360 is precisely built to clear.

Division of roles
SCORE360

Observes, scores, monitors. Provides the intelligence.

Financial institution

Decides, lends, owns the client relationship. Stays in control.

A technical question?

Our architecture team is available for an in-depth conversation on deployment, security and integration.