You work, you get paid, you pay your taxes. But without a payslip, nobody can see it. AfroTrust turns your everyday proof into a passport you show to a lender, a landlord, an employer.
Traders, artisans, drivers, farmers, freelancers: the vast majority work outside the circuits that produce a recognised financial history. So a perfectly reliable person is treated as a stranger. They're refused credit, asked for twelve months of deposit, passed over for a job.
Yet the proof exists. It's in mobile money flows, in social contributions, in tax certificates. Nobody had brought it together in the person's own interest.
Trust shouldn't depend on a formal employment contract, but on real behaviour: regularity, consistency, meeting your obligations.
Nothing is collected without you. You decide what to put forward and who gets to see it.
Your ID, your mobile money statement, your tax compliance certificate, your CNPS certificate if you have one.
Document authenticity, matching names, regularity of income. Every fact on the passport says how it was verified.
A link or QR code the landlord, lender or employer scans to see exactly what you chose to share.
Each line says what was verified, when, and how. Whoever reads the passport sees exactly what you see.
ID document checked, liveness selfie, name and date of birth matched across every document.
Authenticated MTN MoMo or Orange Money statement. The passport shows a regularity level and the depth of your history, never your amounts. An income band can be shared with a lender, only if you decide to.
Tax compliance certificate checked directly with the DGI by its reference number, with its expiry date.
Authenticated voluntary-insurance certificate. Rare in the informal sector, so a strong signal of seriousness.
The first two levels are unlocked with specific proof. Levels 3 and 4 are assigned by our predictive model, which weighs the whole profile rather than the mere number of transactions: the same activity doesn't mean the same thing for a food seller, a taxi driver or a tailor. The model is trained on Cameroonian repayment data gathered from our partners: microfinance institutions and merchants offering instalment plans.
Unlocked by: identity verified.
The person is who they say they are.
Unlocked by: + authenticated mobile money account, at least 3 months of activity.
Real, traceable economic activity.
Assigned by the model on the whole profile: regularity of activity, sector, stability, certificates.
Reliable for a lease, supplier credit, a job.
Assigned by the model to the strongest profiles: long and regular history, tax compliance, CNPS, confirmed stability.
The strongest profile: larger credit, long-term commitments.
What the model looks at
Share of months with inflows, month-to-month stability, what stays in the wallet. Never the amounts themselves.
Income from many customers is more robust than income that depends on one.
The line of business and its seasonality, compared with profiles in the same trade; time at the current address and age of the account.
Tax certificates renewed on time, CNPS contributions, uninterrupted history.
The first two levels say what to provide; beyond that, the model weighs the whole profile and decides the level and the score. Trained on real behaviour, it learns what, in Cameroon, separates those who repay from those who don't, and it is retrained as our partners' data grows. Every score remains explainable: the proof provided, and the signals that weighed in the decision. The score is recalculated on every update and goes down if a certificate expires or activity stops.
Assess a borrower without a banking history, cut the risk and the cost of processing a file.
Rent to a reliable tenant without demanding twelve months of deposit. Check with one scan.
An objective reference on a candidate from the informal sector, with their consent.
Extend supplier credit to a retailer whose takings are regular.
Admit new members without relying only on word of mouth.
Assess from abroad a tenant, a partner or a relative you're entrusting with money back home.
Nothing is collected or shared without your explicit decision. Your amounts stay confidential. You can remove a document or delete your passport at any time.
The passport highlights what you do well. There is no blacklist, no rating that follows you against your will.
Built to comply with Cameroon's Law No. 2024/017 on personal data protection.
We're opening first in Douala and Yaoundé. Leave your number and we'll let you know as soon as your passport can be created.