Transparent trust for savings groups and community borrowing
TrustCirq Trust Score is a community finance reliability score from 0 to 100. Everyone starts at 50 and builds trust through consistent contributions, successful repayments, completed group cycles, and verified identity.
It is not a traditional credit score. It is designed for community finance accountability, clear explanations, and privacy-safe visibility.
Score bands
New members start at 50 so they are not treated as risky before they have enough history. The score moves gradually as real behavior is recorded.
0-49
High Risk
Recent missed payments, disputes, or severe negative events need attention before stronger borrowing access.
50-68
Building Trust
Most new members start here at 50. Consistent payments and verification help move the score up steadily.
69-84
Trusted
Strong contribution and repayment patterns show the member is becoming a dependable participant.
85-100
Highly Trusted
Longer positive history, successful cycles, and strong verification support high confidence.
How your score improves
- +Paying contributions on time or early
- +Repaying loans on time and finishing them successfully
- +Completing full group cycles without missed payments
- +Verifying phone number and identity
- +Consistent participation and timely admin confirmations
What can lower your score
- -Missed contributions or late loan repayments
- -Rejected payment proof or repeated corrections
- -Unresolved disputes or repeated admin rejections
- -Loan defaults and severe reliability issues
- -Repeated failed verification attempts
Who can see your score?
- ✓You can see your full score, explanation, recent changes, and improvement tips.
- ✓Group admins can see a member's score, band, and group-relevant reliability summary.
- ✓Regular group members only see limited trust information such as band, label, and verification level.
- ✓Public and marketplace surfaces only show high-level reliability indicators, never private payment or identity details.
How TrustCirq protects your privacy
- ✓TrustCirq does not show private KYC failure reasons publicly.
- ✓Sensitive document details are hidden from group members and public visitors.
- ✓Score changes are explainable, but access is filtered by role and context.
- ✓Older behavior still matters, but recent responsible behavior carries more weight so members can recover fairly.