We measure what matters
Credit scores measure your past relationship with debt. We measure your actual resilience — your ability to absorb shocks, adapt, and grow. Eight life domains. One honest number. Yours to own.
"Financial systems reward the already-resilient. We're building the infrastructure to measure, verify, and reward the work people do to become more stable — regardless of where they started."
— Sophia Tremblay, CEO
Our principles
Every product decision is governed by these six commitments.
Consent is the database
No data is collected, shared, or processed without explicit, scoped consent. Every connection shows who the processor is, why the data is needed, and how long it's retained.
You own your score
Your score lives in your vault. We don't sell it, share it with lenders, or use it for automated decisions without your explicit opt-in.
Scores explain themselves
Every point change comes with a plain-language explanation. No black boxes. Every signal, every weight, every computation is auditable by the user.
Resilience is for everyone
The free tier gives every person a meaningful baseline score. Premium features amplify — they don't gatekeep the fundamentals.
Open standards
Built on W3C Verifiable Credentials, DIDs, and open banking APIs. Your credentials are portable. You can take them anywhere.
Real signals, not proxies
We measure the actual indicators of resilience — savings buffer, MFA adoption, social network depth — not credit score proxies that punish the wrong people.
The team
Sophia Tremblay
CEO & Co-Founder
Former head of financial inclusion at a G7 central bank. Led the team that developed Canada's open banking framework.
Marcus Okafor
CTO & Co-Founder
Previously principal engineer at a W3C working group on Verifiable Credentials. Architect of two privacy-preserving identity systems.
Leila Hadj-Moussa
Chief Privacy Officer
Privacy lawyer, former CNIL consultant, author of the Consent-First Design framework. Holds CIPP/E and CIPM certifications.
David Chen
Head of Partnerships
Built the partner network at two fintech unicorns. Deep relationships across Canadian banking, insurance, and credit unions.
Amara Diallo
Head of Research
Social scientist studying economic resilience and precarity. Designed the 8-pillar model and scoring methodology from peer-reviewed literature.
Lucas Fontaine
VP Engineering
15 years building high-availability financial data platforms. Led infrastructure at two publicly traded companies.
Our journey
Research phase begins. The 8-pillar model is developed from 400+ peer-reviewed resilience studies.
Seed round closed. Team of 6 formed. W3C VC proof-of-concept demonstrated.
Privacy-by-design architecture finalized. ADR library published (19 decision records).
First 5 anchor partners signed: 3 credit unions, a national insurer, and a university.
Closed beta with 2,000 users. NPS of 71. Consent revocation tested at scale.
Series A. 120,000+ registered users. 4 live pillars. Partner network at 18 certifiers.
Phase 2: Safety, Food, Asset, Mobility pillars launch. Mobile apps released (iOS + Android).
Compliance & certifications
Annual audit by independent firm. Controls covering security, availability, and confidentiality.
Full compliance with Canada's federal privacy law and Québec's modernized data protection legislation.
Privacy by design and by default. DPIA completed for all processing activities.
All issued credentials comply with the W3C Verifiable Credentials specification.
Credential issuance and presentation follow the OpenID for Verifiable Credentials draft spec.
Information security management system. Certification in progress (expected Q3 2026).