CyberloQ Technologies is a development-stage fraud prevention and credit management software company. CyberloQ's two core products are CyberloQ and TurnScor. CyberloQ is a multi-factor authentication platform sold to banks and financial institutions that uses a customer's smartphone to verify identity before allowing access to a bank card, transaction, website, or other digital service. CyberloQ also includes a "Vault" feature that lets clients send and receive sensitive data through an encrypted, geo-authenticated cloud portal as a more secure alternative to email. TurnScor is a web-based platform that lets individuals monitor and manage their credit; it can be sold directly to consumers or bundled with CyberloQ as a value-added feature for institutional clients. CyberloQ Technologies licenses its software to institutional clients, primarily banks and financial institutions. The company acquired the CyberloQ technology outright in 2017 and now owns it exclusively. CyberloQ Technologies operates with only two full-time employees — its President and Vice President — supplemented by a Board of Advisors from the banking, business development, and technology sectors. The company has not yet demonstrated meaningful commercial traction or revenue.