Quantum computers will render current encryption algorithms (RSA, ECC) obsolete within 5–10 years. Threat actors are already intercepting encrypted data today, waiting for the capability to decrypt it tomorrow.
The Canadian mortgage sector — $2.1 trillion in debt — is particularly vulnerable: long-lived sensitive documents, personal and financial data, compliance obligations.
FIPS 203 (ML-KEM) and FIPS 204 (ML-DSA) published August 2024.
OSFI and AMF are strengthening cybersecurity requirements for financial institutions.
The transition to post-quantum encryption takes years — the time to start is now.
RefinancePro processes thousands of mortgage files containing sensitive personal and financial data — documents that remain relevant for 25 to 30 years. Spartadoc protects those very documents with post-quantum encryption. Spartadoc-Q takes it further by integrating quantum key distribution (QKD) via the Kirq testbed in Montreal, making document security physically unbreakable.
File intelligence and automated reactivation platform for AMF mortgage brokers. Identifies the right refinancing opportunities and triggers communication sequences at the right time.
Digital vault with hybrid post-quantum encryption. 6 progressive security levels — from standard envelope to quantum shield via quantum key distribution (QKD).
Spartadoc integrates a self-hosted LLM — no data leaves the infrastructure. The model transforms unstructured mortgage documents into structured data ready for underwriter review, with zero manual entry.
After extraction, a consolidation service automatically recalculates the underwriter file: cross-referenced income across sources, GDS/TDS ratios, loan-to-value (LTV), and inconsistency flags (different employer, expired appraisal, income gap > 10%).
Pay stub, T4, notice of assessment, mortgage statement, property appraisal, bank statement, employment letter, financial statements...
Distinct schema per document type. Annualized income (pay stub), lines 15000/23600 (NOA), balance/rate/maturity (mortgage statement)...
Underwriter file recalculated: GDS/TDS, LTV, cross-referenced income, automatic inconsistency flags.
Progressive security architecture — each level adds a layer of protection
Official partner of Numana — Québec's quantum ecosystem
20+ years in digital products, AI and data strategy. Former Accenture.
M. Sc. Université de Montréal.
Partnerships, investment or technology integration.