What is the trust score and how does it help?
A reputation signal based on real payment history — not promises.
Built from behavior, not vibes
In informal circles, you often rely on personal connections — a friend vouching for someone, or knowing them through work or family. Trust score replaces guesswork with a record of actual on-time payments across circles.
What improves your score
Consistent on-time contributions, completing full circle cycles, and resolving failed debits quickly all contribute positively. The score updates as you participate.
What lowers it
Missed debits, unresolved payment failures, and abandoning circles mid-cycle reduce your score. Severe or repeated issues may pause your ability to join new groups.
Safer invitations
Before accepting someone into a circle, you can see their trust indicators. This does not eliminate all risk — but it surfaces patterns that word-of-mouth never would.