An architecture where your data never moves.
Your clients' data stays inside your institution. SCORE360 rests on three non-negotiable principles: data sovereignty, progressive scalability and BCEAO regulatory compliance. Not constraints, but foundations.
Data sovereignty
Your clients' raw data never leaves your perimeter. Zero exposure, guaranteed by the architecture itself.
Progressive scalability
A new institution up and running in hours. No impact on existing institutions, no migration.
BCEAO compliance
Your data stays within UEMOA territory, hosted at Raxio CI Tier III in Abidjan. Compliance is built in by design.
The AI learns inside your institution. Your data stays put.
The model trains directly inside each institution, on its own data. Only encrypted, anonymised parameters (weights and gradients) are sent to ENGINE, which aggregates them into an optimised global model. Every partner benefits, without ever exposing its clients.
- 1Local trainingThe model learns inside each institution, on its own data.
- 2Encrypted sharingOnly encrypted, anonymised parameters reach SCORE360.
- 3Stronger modelEach institution receives a sharper model, fed by the whole network.
Horizontal and vertical Federated Learning: more useful data, none of it shared.
Vertical Federated Learning, popularised by Chinese digital bank WeBank for SME lending, brings together an institution and data holders who know the same businesses from another angle.
Between financial institutions
Banks, MFIs, SFDs and fintechs hold the same kind of data on different clients. Each trains the model in-house; the network learns from the diversity of every portfolio.
- More sectors, countries and SME profiles covered
- Every new institution improves the model for all
With data holders
Your institution knows repayments; other players know the same SMEs’ activity. Common businesses are matched without anyone revealing their list, then only encrypted computations travel, with the SME’s consent.
- e-SIGNAL, the pilot’s first data partner: SMEs’ orders, customer interactions and online reputation
- PI-SPI payment flows, through fintechs and payment aggregators
- Tax, electricity, social security: partnerships in preparation
Hosted at Raxio CI, in Abidjan.
The only Tier III-certified datacenter in Côte d'Ivoire. Each partner institution gets its own 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
Bank-grade standards, by design.
Our Chief Security Officer brings critical-systems security experience at the highest level. At SCORE360, security isn't an add-on. It's the foundation.
TLS 1.3
End-to-end encryption of all network communications.
RBAC
Role-based access control, with permissions set operation by operation.
Secure aggregation
Only anonymised, encrypted model parameters travel. Never your 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.
A Tech-Enabler, never a lender.
SCORE360 acts purely as a technology-services provider: analysis, scoring, monitoring. The lending decision remains entirely your institution's responsibility, and yours to make.
The regulatory framework is not an obstacle. It is a natural barrier to entry for non-compliant players, and SCORE360 is built precisely to clear it.
Observes, scores, monitors. Provides the intelligence.
Decides, lends, owns the client relationship. Stays in control.
A technical question?
Talk in depth with our architecture team about deployment, security and integration with your existing systems.