About
Togethrust, and how I got here
I'm CTO and one of three co-founders of Togethrust in Paris, a French-regulated fintech (IFP/ORIAS, ACPR-supervised). We digitize tontines (savings circles) for Francophone African diaspora communities. Togethrust has been through the HEC Paris Incubator, Station F, Founder Institute and Blue Factory, ESCP's incubator. That is my full-time work.
Alongside it I run a small fractional CTO practice: a 15-hour, fixed-scope tech audit for pre-seed to Series A founders, one per quarter.
I grew up in Kébili, in Tunisia's Saharan south. My first computer came in 1992, at 7: an Amstrad, 8MHz, no hard drive, two 3.5" floppy drives. In 1996 Tunisia placed one internet-connected computer per region, and I spent my allowance buying time on Kébili's. When the CNIPE, the national children's computing center, opened there, I was one of the first kids in.
I represented Kébili at every national kids' competition. In 1999, at 14, I competed on Tunisia's first national TV channel, on a show called The World of the Internet: Kébili against Tozeur, a speed-navigation team event, then a live 1-vs-1 website-building duel. FrontPage era, before anyone had heard of Google. I beat an 18-year-old. The prize was my first trip to France.
I came home, became an engineer (ENICarthage, 2007), and moved to France in 2010, to the country that first trip had shown me. Since then: 18+ years on banking systems at BNP Paribas, Société Générale, Crédit Agricole and Desjardins, across five countries. I co-founded SOCRATES Canada, and co-organized Software Crafters Montréal and Romandie Software Crafters. I build for communities like the one I come from.
ACPR
ORIAS
IFP
GDPR Compliance
Banking APIs
Regulatory Architecture
Domain-Driven Design
🇫🇷 France
🇨🇭 Switzerland
🇨🇦 Canada
🇦🇪 UAE
🇹🇳 Tunisia
