Contribution: Industrial Research Assistance Program – Contributions to Firms
JL13 Concepts Inc.
$60,000.00
AI-Driven Trust Metric & Peer Lending Infrastructure
FY 2025-26 · 2025-09-01
Summary
JL13 Concepts is developing a Trust Index, an AI-powered scoring engine that utilizes behavioural, social, and engagement data to assess user trustworthiness. The purpose is to use the trust index for financial purposes by being used to unlock access for underbanked populations excluded by traditional credit systems. The primary challenges are ensuring consistent outputs across diverse users, explainable building models, and minimizing bias, particularly in edge cases. The Trust Index aims to establish a fair and transparent standard for inclusive digital finance.
Department
Program
Industrial Research Assistance Program – Contributions to FirmsIndustrial Research Assistance Program-Contributions to Firms (linked with high confidence)
Recipient
Location
Calgary|Calgary, Alberta, Canada
Recipient Type
For-profit organization
Business Number
796526705
Type
Contribution
Source
Proactive Disclosure - Grants and Contributions
Amendments
Each version of the agreement as published, oldest first, with its total as of that version. The amount above is the latest.
| Amendment | Date | Fiscal Year | Total |
|---|---|---|---|
| 0 | 2025-09-01 | 2025-26 | $60,000.00 |
| 1 | 2025-09-01 | 2025-26 | $60,000.00 |
As published
Additional Information
This agreement has been amended 1 time(s). The end date of this agreements has been modified by 61 days.
Additional Information (French)
Cet accord a été modifié 1 fois La date de fin du présent accord a été changé de 61 jours.
Agreement End Date
2026-07-31
Agreement Number
1034493
Agreement Start Date
2025-09-01
Agreement Title
AI-Driven Trust Metric & Peer Lending Infrastructure
Agreement Title (French)
Mesure de confiance alimentée par l’IA et infrastructure de prêt entre pairs
Agreement Type
Contribution
Agreement Value
$60,000.00
Amendment Date
2025-12-04
Amendment Number
1
Coverage
IRAP Contributions to Firms projects stimulate wealth creation for Canada through technological innovation. | Les projets des Contributions aux entreprises stimulent la création de richesse au Canada grâce à l’innovation technologique.
Description
JL13 Concepts is developing a Trust Index, an AI-powered scoring engine that utilizes behavioural, social, and engagement data to assess user trustworthiness. The purpose is to use the trust index for financial purposes by being used to unlock access for underbanked populations excluded by traditional credit systems. The primary challenges are ensuring consistent outputs across diverse users, explainable building models, and minimizing bias, particularly in edge cases. The Trust Index aims to establish a fair and transparent standard for inclusive digital finance.
Description (French)
JL13 Concepts développe un indice de confiance, un moteur de notation alimenté par l’IA qui utilise des données comportementales, sociales et d’engagement pour évaluer la fiabilité des utilisateurs. L’objectif est d’utiliser l’indice de confiance à des fins financières en l’utilisant pour débloquer l’accès des populations sous-bancarisées exclues des systèmes de crédit traditionnels. Les principaux défis consistent à garantir des résultats cohérents pour divers utilisateurs, des modèles de construction explicables et à minimiser les biais, en particulier dans les cas extrêmes. L’indice de confiance vise à établir une norme équitable et transparente pour la finance numérique inclusive.
Expected Results
The purpose of IRAP Contributions to Firms is to support research, development, adoption and/or adaptation of innovative or technology-driven new or improved products, services or processes in Canada up to their commercialization
Expected Results (French)
Le PARI, par le biais des Contributions aux entreprises, vise à appuyer la recherche, le développement, l’adaptation et/ou l’adoption au Canada de produits, de services ou de processus novateurs ou axés sur des technologies nouvelles ou améliorées, et ce jusqu’à leur commercialisation
Federal Riding
Calgary Shepard
Federal Riding (French)
Calgary Shepard
Federal Riding Number
48011
NAICS Code
541514
Organization Code
nrc-cnrc
Organization
National Research Council Canada | Conseil national de recherches Canada
Program Name
Industrial Research Assistance Program – Contributions to Firms
Program Name (French)
Programme d’aide à la recherche industrielle – Contributions aux entreprises
Program Purpose
The purpose of IRAP Contributions to Firms is to support research, development, adoption and/or adaptation of innovative or technology-driven new or improved products, services or processes in Canada up to their commercialization
Program Purpose (French)
Le PARI, par le biais des Contributions aux entreprises, vise à appuyer la recherche, le développement, l’adaptation et/ou l’adoption au Canada de produits, de services ou de processus novateurs ou axés sur des technologies nouvelles ou améliorées, et ce jusqu’à leur commercialisation
Recipient Business Number
796526705
Recipient City
Calgary|Calgary
Recipient Country
CA
Recipient Legal Name
JL13 Concepts Inc.
Recipient Operating Name
JL13 Concepts
Recipient Postal Code
T3M 2C1
Recipient Province or Territory
AB
Recipient Type
F
Reference Number
172-2025-2026-Q2-1034493
