About TrustCircle

Trust infrastructure for real people

Millions of honest people are invisible to banks despite being trustworthy. We build verified reputations and peer-to-peer finance through community — not black-box credit scores alone.

Our mission

Trust before money.

TrustCircle is AI-assisted trust infrastructure where real people build verified reputations and access peer-to-peer funding. We combine verified identity, community reputation, borrower stories, explainable trust scoring, and M-Pesa escrow — so finance starts with who you are.

What we stand for

Principles that guide every decision

Trust before money

Reputation comes first. Finance follows people you can stand behind.

Explain every AI decision

Screening and scores are visible — never hidden behind a black box.

One account, two roles

The same verified profile can borrow and lend — trust works both ways.

Community builds reputation

Endorsements, repayment, and circles strengthen standing over time.

Human stories matter

School fees, medical bills, a market stall — real needs deserve dignity.

The journey

From signup to a growing Trust Score

A clear path for borrowers and lenders — built on transparency at every step.

RegisterCreate your account with email and phone.
Verify identityComplete KYC and build your profile.
Build Trust ScoreEarn points through verification, tenure, and community.
Borrow or lendPublish a request or fund someone in your circle.
Repay & growOn-time repayment and endorsements strengthen your reputation.

The solution

Technology in service of trust — not the other way around.

We combine verified identity, community reputation, borrower stories, AI-assisted risk analysis, explainable trust scoring, and peer-to-peer funding with M-Pesa escrow.

Verified identity & KYC
Explainable Trust Score
Visible AI screening
M-Pesa escrow per loan

For lenders

Fair, visible returns

Fund people you trust with full context — purpose, story, and score breakdown.

For borrowers

Dignity & speed

Tell your story in guided steps. Preview what lenders see before you go live.

Become the trust layer powering lending, hiring, rentals, insurance, and digital identity.

TrustCircle starts with peer funding in Kenya — and grows into infrastructure for every relationship that needs verified reputation.