Trust Score
Your reputation, quantified
A transparent score from 0 to 100 that reflects your reliability. Portable across every circle on the platform.
Example Trust Score
Score Increases
What builds your score
On-time payment
Every contribution paid on or before the due date.
Verified identity
Complete three-step verification (phone, ID, face).
Active participation
Joining and staying active in circles builds trust.
Completed circles
Finishing a full circle proves long-term commitment.
Consecutive streak
6+ consecutive on-time payments earn a bonus.
Score Decreases
What drops your score
Late payment
Payment made after the due date.
Missed payment
Contribution not paid within 7 days of due date.
Removed by group
Removed from a circle by group vote or organizer.
Visibility
Who sees your score
Free members
See your own score only
Premium members
See all member scores before joining any circle
Circle organizers
Always see scores of members they invite
Benefits
Why your score matters
Access larger circles
Higher scores unlock circles with higher contribution amounts and more members.
Premium features
See member scores before joining, get priority payout positions, and more.
Interest-free loans (Phase 2)
Top-scoring members will be eligible for short-term, interest-free loans backed by their history.
Portable trust
Your score follows you across every circle. Build it once, benefit everywhere.
Ready to build wealth with your community?
Join thousands building financial resilience together.