Zaena Trust Infrastructure
Your business has a story.
Zaena makes it provable.
Every sale you record, every supplier you pay, every expense you log becomes part of a verified financial profile, built automatically and independently checkable by anyone you share it with. It's an experiment Toledah Technologies is running: can proof like this make a business easier to trust?
This is an experiment Toledah Technologies is running, not an established credit product. No lender or supplier network is formally hooked up yet — what exists today is a real, checkable record you can build and share.
Watch your Trust Score build itself, live, as sales and payments are recorded.
For the business owner
You don't build your score.
Your business does.
A lot of Businesses trade for years and have nothing credible to show a lender. Every thing is stored in memory, scattered receipts and bank statements.
Zaena changes that. Every time you record a sale, pay a supplier, log an expense, or run payroll, the system is compiling your financial identity in the background. No forms. No auditors. No preparation.
The day you need a credit line, you already have the record to support it.
See it in action
Watch your record
build itself.
This is what your trust dashboard looks like inside Zaena. Every transaction moves the needle. Every consistent week holds your tier.
0.0TRUST SCOREWhat goes into your score
Five dimensions.
One number, built to be checkable.
Your score is built from five independently measured areas of your business. Each one tells a different part of your story, and they can't cancel each other out.
Cash Flow Consistency
How stable and predictable your revenue is over time. Measures weekly patterns, daily activity density, and how cleanly you handle corrections.
Payment Behaviour
How reliably you collect what you're owed and pay what you owe. Tracks debt recovery rates, settlement speed, and supplier payment consistency.
Financial Discipline
How structured your money management is. Looks at profit allocation, tax remittance, expense categorisation, and whether owner drawings are proportionate to net profit.
Customer Quality
The health of your customer base. Measures returning customer revenue, receipt delivery rates, and whether revenue is dangerously concentrated in one buyer.
Longevity & Growth
How established and growing your business is. Considers operational age, activity density, business registration status, and whether your score is trending up or down.
The multiplier that keeps it honest
Your score only counts
if your data is real.
Anyone can enter transactions after the fact. Zaena knows the difference. The system tracks how close to real-time your records are, relative to when each event actually happened, and applies a Recording Integrity Multiplier to your overall score.
Record in the moment, and the multiplier works in your favour. A persistent pattern of late entries pulls the score back automatically.
Your tier tells the story at a glance
Tiers are earned.
And they have to be held.
Crossing a score threshold isn't enough. Each tier requires sustained performance across multiple weeks, a minimum transaction count, and consistent recording quality. You can't sprint your way to Gold.
First milestone. Consistent operation over at least 30 active days. Suitable for basic supplier relationships.
Sustained performance across multiple dimensions. Suitable for credit applications with local partners.
Strong, multi-dimensional score maintained over 90+ active days with a significant transaction history on record.
The highest tier. Six months of consistent, excellent performance. Reserved for businesses with a proven track record.
Whoever you share a report with, a creditor, supplier, or partner, sees your tier on it.
For the creditor
Why a Zaena score is different
from a submitted document.
Traditional SME credit assessment relies on self-reported financials; documents prepared selectively and submitted on request. Toledah Technologies is running an experiment on a different premise: what if the record couldn't be selectively prepared in the first place?
The score is derived from live operational data recorded in real time, not from statements prepared after the fact and submitted on request.
Cash flow, payment behaviour, financial discipline, customer quality, and longevity each score separately. A business cannot mask weakness in one area by excelling in another.
The Recording Integrity Multiplier directly scales the final score based on how promptly transactions are recorded relative to when they actually occurred.
Tier assignment requires a minimum score held consistently over weeks, combined with minimum transaction volume and minimum days active. A business cannot briefly spike its score to claim a tier.
Extra credibility layer
Witness Lite.
Cryptographic verifiability.
Witness Lite lets you record short video or photo evidence of a transaction — a delivery, a sale, a stock movement — right at the moment it happens. The footage is AI-verified and linked to the specific transaction in your records.
Each capture is cryptographically hashed and permanently recorded, tamper-evident and timestamped from the moment it happens. The proof can be independently verified by any creditor, at any time.
If a creditor sees a Witness Lite badge on a transaction, they'll know it wasn't typed in after the fact. It was witnessed in real time, and the proof is permanently on record.
The record you build today is the credit you access tomorrow
Every day without Zaena is a day
your business history isn't building.
Start free. No card required. Your Trust Score starts building from your very first transaction.
Start Building Your ProfileFree tier available · Trust Score on paid plans.