FOR BANKS | FROM REAL ACTIVITY TO EXPLAINABLE FINANCE
Real businesses. Easier digital entry. Models you can inspect.
Connect overlooked businesses to finance through Televerstores' AI-assisted capture, free practical training, and CompanySignal's company-level analysis and public models.
Capture-firstFull public models
Two routes to economic participation: existing businesses through Televerstores, and new practical capabilities through free trade-skills training. CompanySignal also analyzes independently sourced companies.
Public model · private shared evidence → bank review → continuity
Legend: a catalogue is not a sale. Listed products and prices are not income.
THE FINANCING GAP
Beyond savings and credit: make real business activity easier to assess.
Refonte starts from the founder’s observation: capable people and informal businesses can be economically active while lacking the records that financing institutions can readily assess. Our proposed role is to help build that evidence and support the appropriate steps towards formalization and financing.
Business exists
digital record may be missing
Useful skill
no conventional credential
Income activity
incomplete accounts
Informal does not automatically mean illegal or ineligible. Requirements vary by country, business form and financial product. A digital storefront does not itself register a business.
TWO MARKET-ENTRY MECHANISMS
Two mechanisms. One evidence-led financing pathway.
ROUTE A · EXISTING BUSINESS
Televerstores: capture your business, not endless forms.
Designed around Cissé, the busy small-business operator: use Rafale, short videos, photos and optional voice context. AI prepares products, services and prices; you confirm or correct the result. The goal is a basic store online in less than five minutes, without item-by-item manual entry.
The five-minute goal concerns basic publication. Unknown prices need confirmation. A catalogue does not prove sales, legal registration or loan eligibility.
ROUTE B · NEW CAPABILITY
Free trade-skills training: build capability before seeking capital.
The proposed 100% free theory-and-practice model is offered and funded by Refonte NGO (Refonte Non-Governmental Organization), Refonte Research and Refonte Learning. Refonte supplies theory and coordinates local practical training with appropriately verified workshops and independent professionals.
Refonte NGORefonte ResearchRefonte Learning
Each intake opens only after sponsor commitments, local capacity, safety and applicable requirements are confirmed. Free training is not a loan or deferred tuition.
From the real business to an AI-prepared catalogue.
Rafale · media to AI-prepared catalogue
Synthetic capture demonstration. No live camera, microphone or AI extraction is running.
1. Capture2. Review3. Publish
Rafale selected. Voice context is on, so a spoken price can be used to settle a conflicting label - after the merchant confirms it.
Camera permission is optional in this demo. Samples remain available.
SKILLS TO LIVELIHOOD
From supervised practice to tools, clients and a business plan.
As competence develops, some learners may earn money for permitted, supervised contributions or early services. They decide how to use their earnings. Refonte can advise voluntary savings for useful tools, without taking custody of their money or requiring purchases from Refonte.
1
Theory
structured courses with a mentor
2
Supervised practice
verified local workshop or professional
3
Possible early earnings
permitted, supervised contributions
4
Voluntary savings & tools
the learner owns the money
5
Clients & repeat work
wider services
6
Employee or entrepreneur
placement or a business plan
A mechanic may need screwdrivers or a 14 mm spanner; a hairdresser, clippers; a tailor, a sewing machine. Useful tools can expand the work someone can perform, help serve clients and support further investment.
The objective is a sustainable livelihood. Timing, earnings and growth depend on skills, local demand, costs and circumstances. The learner can choose employment, entrepreneurship or an appropriate combination.
ECONOMIC MECHANISM
Yvan NGOYI’s three-dimensional multiplier
1
Earlier productive activity: first earnings and tool access can start before the full training pathway ends.
2
Recurring demand: work generates purchases of tools, parts and materials for workers and their clients.
3
Customer introductions: clients may join the platform and make later direct purchases.
What we would measure
Time to first workTool accessRepeat order frequencyUnique referred clientsMarginsParticipant net incomeRecurring costs
A proposed economic mechanism to measure, not a proven numeric multiplier or guaranteed income cycle. Commercial revenue can support the model; it does not replace a funded training budget.
DOCUMENTATION IS NOT FORMAL STATUS
Make the steps visible. Do not confuse them.
Online presence, documented activity, legal status, required permits, customer checks and lender eligibility have separate evidence and responsible parties. Refonte helps organize the pathway; the competent institutions and each lender retain their decisions.
Digital presenceStore createdSeparate responsible institution
Lender eligibilityReview not startedSeparate responsible institution
Example: store created, activity recorded, registration not yet checked, financing review not started. No automatic ‘formal business’ badge after a storefront is created.
THE GLOBAL COMPANY LAYER
Refonte Intelligence / CompanySignal
Global company data meets mathematical, econometric, statistical and financial modeling. Explore company-specific estimates, forecasts and probabilities, including standard and Refonte-created indicators, with the full model methodology publicly accessible.
Analyze individual companies worldwide, including small and informal businesses. A company need not use Televerstores, attend training or request a loan to be in the research scope.
Demo Riverside Repair
Demonstration services · Demonstration territory
Linked application · APP-001
180 000 XAF
2026-08
Observed
200 000 XAF
2026-09
Observed
220 000 XAF
2026-10
Observed
NEXT-MONTH ESTIMATE
212 000 XAF
Forecast / assumption, not observation
This result is not a loan-approval probability or a lending decision.
Sources: 3/3 complete months·Not observed is not zero
A bank application is one use, not the product boundary. Models and forecasts are distinct from bank decisions. This preview uses synthetic data and an illustrative ensemble, not a validated production model.
FULL PUBLIC MODEL EXPLORER
Company-level forecasts. Full models in public.
Public methodology - no bank login requiredComplete illustrative ensemble. Synthetic data; no empirical validation.
Public models do not make private company or applicant records public.
THE EVIDENCE DOSSIER
A dossier that explains the journey, not only the application.
Combine the applicant’s relevant documents and project plan with selected training evidence, practical competencies, first earnings, later activity, costs and explicitly labelled forecasts. Show what is reported, supported, checked, missing or disputed.
Applicant documents & project
Document-supported
Legal status where relevant
Reconciled for stated scope
Training & practical competencies
Document-supported
Transaction / income / cost records
Self-reported
Tool / client evidence
Document-supported
Forecasts & assumptions
Forecast / assumption, not observation
Cash activity can be recorded with appropriate evidence.Flat or declining activity is retained, not hidden.
Verifiable activity and realistic forecasts should help lenders examine a business beyond an unsupported pitch. They do not eliminate the need to understand the person’s circumstances, repayment capacity or the lender’s requirements.
A CONTROLLED ROUTE TO A LENDER
The applicant chooses the institution and the evidence shared.
The applicant reviews the dossier, selects a named eligible lender and authorizes a specific version for a defined purpose. The bank reviews it under its own criteria, can request clarification and records its own response. Sharing with one bank does not open the file to every partner.
1Prepare
2Preview
3Select named lender
4Authorize version/purpose
5Permitted transmission
6Human assessment
7Response / clarification / decision
Refonte Learning does not lend, take deposits or guarantee credit through this proposed service. Lender availability and the permitted intermediary role must be confirmed for each jurisdiction.
No approved lender route is currently available for this scope.
WORKSPACE PREVIEW
Understand the business. Inspect the model. Review the evidence.
Explore public company intelligence and review only the private dossiers authorized for your institution.
Demonstration workspace. All institutions, businesses, records and amounts are synthetic.
Company intelligence, not only loan applications.
Analyze individual companies worldwide, including small and informal businesses. A company need not use Televerstores, attend training or request a loan to be in the research scope.
A loan is not the end of the journey. Agreed continuity support can help with practical capability, sourcing, quotations, clients and income stability. Monitoring uses only the purpose and data the parties have lawfully agreed; it is not unrestricted surveillance.
A partnership service, not a course bundle sold to your bank.
Scope may include merchant onboarding, training-linked enterprise pathways, evidence preparation, authorized sharing, review workflows, analytical pilots and continuity coordination. Commercial terms are agreed after scoping; no price, commission or bank commitment is assumed.
RESEARCH & PUBLIC VALUE
Observe the market. Test the mechanism. Publish the evidence.
Google is not Internet and Internet is not the Market. Refonte’s proposed evidence network combines records with authorized local observations. It studies whether better documentation and ongoing support improve financing assessment and enterprise outcomes.
Agree the entry routes, delivery partners, financing product, evidence requirements, permissions, economic model and evaluation protocol. Measure documentation quality, review effort, applicant experience and actual outcomes, including declined or inconclusive cases.
Yvan NGOYI
Doctoral work in Economics / Econometrics; thesis defence pending.
Toua Raymond Barre
Doctoral researcher in Economics; defence planned January / February 2027 (per founder).
FAQ
Questions banks ask
No. Capture is the default: AI prepares drafts from media and stated prices. Merchants confirm, correct exceptions or use a manual fallback when needed.
That is a core product requirement. Public versioned methodology explains the full calculation. Private borrower data is separate; proposed models are identified as not yet estimated.
Yes. Its scope is individual companies worldwide, including companies with no Televerstores account or loan application. Data permissions and publication rules still apply.
Requirements depend on the lender, product, activity and jurisdiction. Refonte distinguishes documentation support from legal registration and lender eligibility.
No. It can make evidence easier to review. The lender decides, and may request more information or decline. No approval probability has been established for this proposed service.
No. The proposed role is to organize relevant evidence and an authorized partner-review pathway. Actual financial services and decisions remain with the appropriately authorized institution.
No. Eligible funded training remains free. Savings, supplier choice, an enterprise plan and a financing request are separate decisions.
Assisted records, receipts, cashbooks and permitted local confirmations can be reviewed. Missing digital records do not prove absence of work or income.
No universal route is assumed. Recipient authorization, geography, currency, product requirements, data transfers and servicing arrangements must be checked for each partnership.
INSTITUTIONAL ENQUIRY
Build a bank partnership around real business activity.
A central bank? A dedicated institutional proposition is being prepared.