Cyberloq Technologies Inc (OTC: CLOQ) is a development-stage technology company focused on fraud prevention and credit management. The company owns and operates the CyberloQ platform, a proprietary multi-factor authentication (MFA) protocol that controls access to bank cards, transaction types, websites, databases, and digital services through a customer's smartphone. Revenue model, if any, has not been disclosed in quantified form in the FY2025 10-K filing. The company targets institutional clients, including banks and healthcare organizations, and offers a white-label version of CyberloQ to marketing partners. As of December 31, 2025, total assets were $2,525,110, cash was $261,987, and current liabilities were $4,160,391, reflecting a balance sheet where liabilities exceed assets. Fixed assets of $2,228,503 as of December 31, 2025 reflect capitalized platform development, website development, and patents. The company has not paid dividends on its common stock and does not have a change of that policy under consideration as of the filing date.

Revenue model

The filing does not disclose quantified revenue figures or a specific revenue model. The company has historically licensed CyberloQ to institutional clients and offers a white-label version to marketing partners, suggesting a licensing or SaaS-type model, but no revenue amounts or contract terms are disclosed in the FY2025 10-K excerpts.

Products and services

CyberloQ: a proprietary MFA protocol platform delivered via mobile application, used to control access to debit and credit cards, banking accounts, healthcare personal identifying information (PII), and corporate databases. The platform supports geo-fencing functionality and is offered in a white-label format for marketing partners.

Customers and end markets

Institutional clients in banking (debit and credit card issuers), healthcare (digital medical records and PII protection), and corporate data security. No specific customer names, customer counts, or revenue concentration data are disclosed in the FY2025 10-K excerpts.

Value-chain role

Software platform provider and IP owner sitting between financial institutions or enterprises and their end customers, supplying authentication and fraud-prevention middleware integrated into banking and digital service infrastructure.

Geographic exposure

Primarily the United States. The company previously established a United Kingdom subsidiary, CyberloQ Technologies LTD, incorporated June 15, 2017, but that entity had no operational activity and has been dissolved as of the filing.

Competitors

Wells Fargo (internal card on/off feature), Discover Card (Freeze It functionality), Ondot Systems

Source: SEC 10-K, filed 2026-03-13

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