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Secure data exchange
Encrypted payload workflows designed to protect sensitive information in transit and at rest, with controlled access.
A new foundation for financial trust
Move financial data.
Build trust.
SMRT16 Financial Trust Cloud is being built to help organisations exchange sensitive financial information securely, share it with consent, and surface suspicious patterns with explainable risk signals.
A product of HRIH Investments · Development preview · Not a credit bureau or financial institution
TRUST NETWORK / CONCEPT● PREVIEW
SMRT16
ConsentPermission-led sharing
EncryptedProtected payloads
ExplainableRisk indicators
The platform
Infrastructure for responsible financial collaboration.
One platform vision, designed around data minimisation, traceability and secure organisation-to-organisation workflows.
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Consent & credentials
Consent-aware sharing and verifiable proof concepts to help participants understand what was shared, by whom and under which permission.
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Fraud intelligence
Explainable rules and relationship signals to support human review. Automated decisions are not enabled in this preview.
Trust by design
Security is a product requirement, not a marketing claim.
SMRT16 is in active development. Production readiness requires independent security testing, operational controls and legal review.
Least-privilege access
Organisation-scoped access, API key scopes and revocation are part of the implementation baseline.
Auditability
Event records and consent lifecycle controls are designed to support accountable data sharing.
Human oversight
Risk signals are decision-support only. No autonomous lending, credit approval or adverse action is represented as available.
Plans in development
Start small. Scale with confidence.
Indicative South African pricing for the planned service tiers. Paid subscriptions and checkout are not yet enabled.
STARTERFree
Explore the platform and documentation.
DEVELOPERR499/mo
For developers evaluating API workflows.
PROFESSIONALR2,499/mo
For growing teams and integrations.
BUSINESSR7,500/mo
For organisations with advanced needs.
Enterprise arrangements are quote-based. Pricing and features remain subject to final launch terms.