Africa Ignite Hackathon · Nokia NaC / CAMARA

Visa is the rails for payments.
TrustScore is the rails for trust.

A portable reputation passport for the 93% of African adults outside formal credit systems. Anchored to network identity. Owned by the borrower. Trusted by the lender.

Create an account See the borrower's USSD flow

93%

African adults outside formal credit

30K+

SACCOs · 3.9M borrowers

300–850

FICO-aligned score range

Nalongo Nakato

•••• 4821 checked 2 min ago

Wakiso Women VSLAKampala Co-op SACCO

Tier B · Strong

high confidence

TrustScore

645 /850

300500670750850

12-mo trajectory

+17

Network-verified · Nokia CAMARA

Score components weight / score

Repayment history

40/40

Savings consistency

15/20

Group standing

10/15

Mobile money activity

5/15

Network identity

9/10

Network-anchored, not screen-anchored

43% of mobile-money fraud is SIM swap. We verify against the SIM, not the screen.

Number Verification

MSISDN matched to active subscriber

SIM Swap

No swap event in 72 hours

KYC Match

Name + DOB matched to registry

Location

Cell ID matched to declared region

Device Swap

IMEI continuity verified

The flow

Seven seconds from query to decision.

Adam types a phone number. The borrower gets a USSD prompt. They approve. He sees a score. The whole loop never leaves the carrier network.

Lender queries by phone

Adam at Mbarara SACCO types a member's number into the dashboard.

Borrower receives USSD prompt

Catherine's feature phone rings with a *384*55# consent request.

CAMARA layer fires

Five Nokia Network-as-Code APIs verify number, SIM, KYC, location, device.

Score returned · explained

Lender sees 645/B, the five component bars, and an AI underwriter note.

Visa is the rails for payments. TrustScore is the rails for trust.

43% of mobile-money fraud is SIM swap. We verify against the SIM, not the screen.

Seven seconds from query to decision.

Visa is the rails for payments.
TrustScore is the rails for trust.