3 Patents Filed · USPTO · Patent Pending 2026

Mohamed Ben Hadj Hmida

Founder & Inventor — BayFlow

Computer engineer turned founder, building the security and data infrastructure that lets autonomous AI agents safely touch financial systems. Three patents pending, a live product, and a decade spanning enterprise systems and hands-on operations across Canada, Tunisia, and Ukraine.

Intellectual Property

Three patents, one thesis

Filed with the USPTO in 2026 — the foundational layers for trusting AI agents inside regulated financial infrastructure.

🛡
USPTO 64/079,006

Universal Behavioral Authorization Gateway

A behavioral gate between AI agents and credentialed systems — profiling decision velocity, intent, and patterns to authorize or block requests before they reach the bank.

PATENT PENDING
🔄
USPTO 64/079,012

Universal Converter Engine

An edge-deployed, stateless, deterministic-first method for translating heterogeneous legacy enterprise data into language-model-readable structured data.

PATENT PENDING
🔐
USPTO 64/078,993

Conditional Credential Injection

Real-time cognitive-latency and intent profiling that injects real credentials downstream only after behavior clears verification — the agent never holds the key.

PATENT PENDING
Current Venture

BayFlow

Halal investing platform + AI-agent security infrastructure.

The security layer for AI agents in finance

BayFlow began as a halal investing and signal platform for Muslim investors, and grew into the behavioral security infrastructure (UBAG) that financial institutions need before they let autonomous AI agents move money. Deterministic structural enforcement plus an armored semantic layer — red-teamed across five independent adversarial suites.

Background

From enterprise systems to founder

A technical foundation in computer engineering, sharpened by real operations and system-deployment work — the path that led to building BayFlow.

Founder & Inventor — BayFlow

2025 – Present · Canada

Architected and built BayFlow end to end: halal screening, AI signal engine, and the patent-pending UBAG security gateway. Filed three USPTO patents in 2026.

Operations Project Manager & Founder — Sweets Madame Fathia

2023 – Present · Canada

Founded and run a custom manufacturing operation — managing execution, costing, invoicing, and distribution end to end.

3PL Operations Coordinator — Cole Warehouse / Brothers Container

2022 – 2025 · Canada

Coordinated freight and logistics for enterprise clients; identified workflow bottlenecks and protected client SLAs on the floor.

IT Project Manager & ERP Specialist — Generale Confection

2021 – 2022 · Tunisia

Led an end-to-end custom ERP & CRM deployment — the legacy-data integration work that directly informs the Universal Converter Engine patent.

Earlier — Operations & Project Coordination

2016 – 2020 · Ukraine

Multi-unit retail operations management (4 locations) and multi-phase relocation project coordination — costing, staffing, vendor negotiation, logistics.

Capabilities

What I build with

Technical

AI / LLM Integration Solution Architect React Fintech APIs ERP / CRM Systems Cloud (GCP · Cloudflare) Behavioral Security Data Pipelines

Operating & Languages

Product & Project Management Operations & Logistics Financial Management 🇬🇧 English 🇫🇷 French 🇸🇦 Arabic 🇷🇺 Russian

Education: M.Sc. Computer Engineering — Ukrainian State Chemical Technology University.

Get in touch

Let's talk

For pilots, partnerships, or investment conversations.