TumiTrust network
Grounded in real life. Proof you can take anywhere.
Your network, your proof — multi-context trust, one map.
The default trust layer whenever an important decision is on the line — portable, multi-context, built from community validation and verified activity.
You: earn proof, share it anywhere, run a trust lookup when you need to decide. Partners: same network — badge, verify, API at volume.
Portable trust — build it once; walk into the next room with the same profile on Portable Trust Infrastructure.
What is Portable Trust Infrastructure?
PTI is the vendor-neutral specification for how trust is produced, exchanged, resolved, and consumed across 20+ contexts — portable, explainable, and governed. Any organization can implement it.
PTI origin
Who pioneered the standard, why it exists, and how the open ecosystem grows.
Read the origin story →Why PTI exists
Trust rebuilt in silos at every institution — PTI makes it shared infrastructure.
Read why →How PTI differs
Not identity, not KYC, not a bureau — PTI orchestrates signals from all of them.
Comparisons →Build on PTI
Specification, RFCs, and conformance — implement a compatible platform from the docs.
Build your own →The platform built on PTI
TumiTrust is the first production implementation of Portable Trust Infrastructure — the default trust layer whenever an important decision is on the line.
People and organizations, one system: get vouched for, earn badges, share proof — and when you're choosing someone else, run a trust lookup. Partners scale the same rails — dashboards and API.
Community validation and verified activity, read in the right life context. Essentials free; lookups and some flows use credits — on the platform or via API.
| Feature |
TumiTrust
|
Traditional Credit Bureaus | Other Platforms |
|---|---|---|---|
|
Trust Contexts Covered
|
20+ contexts | 1-2 (Lending only) | 1-3 contexts |
|
Data Sources
|
Community endorsements, verified activities, mobile money, savings groups, rental history, employment, partnerships, & more | Bank accounts & formal credit only | Limited to specific sectors |
|
Who Can Build a Score
|
Everyone | Requires bank account & credit history | Limited eligibility |
|
Cost to Build Score
|
100% FREE | Fees for reports & access | Subscription fees |
|
Who can run trust lookups
|
Individuals (in-app) and organisations (dashboard/API)—same underlying trust signals | Typically lenders only | Varies; often org-only or narrow use |
|
Philosophy
|
Portable trust — community trust | Individual financial history | Varies by platform |
|
Score Updates
|
Real-time | Monthly/quarterly updates | Delayed updates |
|
Credit Reports for Loans
|
Yes, 20-context coverage | Lending context only | Limited contexts |
|
Community Network Value
|
Endorsements from your network strengthen your score | No network effect | Limited or none |
|
Mobile Money & Informal Economy
|
Fully Integrated | Not recognized | Partial support |
Live infrastructure
Portable trust, in motion
Live from platform telemetry — trust computations, report lookups, and onboarded entities update every 30s.
Portable Trust Infrastructure in Action
Portable trust
See how trust moves: build it, use it — 20 contexts.
Nandi joins TumiTrust
Starting with a base score of 300
Friends and family endorse her character
5 endorsements: +50 points → Score: 350
Employer verifies her employment badge
Institutional verification: +120 points → Score: 470
Uploads mobile money statement showing consistent income
Financial pattern analysis: +180 points → Score: 650
Community members endorse her across multiple contexts
Multi-context trust: +100 points → Score: 750 ✨
Nandi is now trust-ready across multiple contexts! 🎉
Score: 882/1000 • Lending Trust: 918 • 15 endorsements • 3 badges
Your Trust Network
In Your Pocket 🤝🏿
Real screens from the app — discover, endorse, check trust, and run lookups from your phone.
20 trust contexts
Primaries + lenses on one map — lending to civic life, endorsements where your build allows.
Discover Trust Connections
Swipe, spot mutual trust, connect—your circle grows with real signal.
Collect Verified Badges
Employers, schools, landlords—request verification; each badge lifts your score.
Trust lookups
Basic · Detailed · Predictive in the app. Same signals partners wire in at scale.
Real-Time Updates
Endorsements and badges land—your score moves with them.
Real-World Applications
PTI is a shared network, not a data grab. Trust producers turn activity into portable proof their ecosystem can use. Institutions buy lookups — not your raw feed. Members carry proof you helped make visible. Each role wins when the network grows.
Trust producer
You gain: stickier users, new institution demand for your signals, Pulse analytics, hybrid lookups, and a trust layer you do not have to build alone.
ProducerInstitution
You gain: explainable trust lookups at decision time — faster onboarding, fairer thin-file decisions, audit-ready reports. You consume proof; you do not hand us your book.
ConsumerIndividual & group
You gain: a portable Trust CV — proof from community, partners, and institutions that travels across 20 contexts instead of restarting at every door.
MemberYour events become portable proof institutions pay to query — network demand for your ecosystem.
You buy structured lookups and screening — not a bureau score, not a data-licensing trap.
You own portable proof — share when you choose; benefit when partners and institutions participate.
Not a one-way feed. Producers ingest on their terms (webhook, API, CSV), see volume and funnel health in Pulse, enable contexts per contract, and often also run lookups as consumers. The more institutions query trust in your contexts, the more valuable your network becomes to your users.
What you gain
Higher merchant retention and GMV: sellers get portable proof banks can query without you building a credit bureau. New B2B revenue paths when institutions contract for your context.
What you share
Catalogued merchant events you already hold — onboarding, settlement, dispute outcomes — via webhook or CSV. TCU-metered; context-bound; no open-ended data dump.
Why it compounds
Every lender lookup that uses merchant context validates your network. Competitors cannot replicate isolated silos — you hold a producer seat at the shared table.
What you gain
Outbound: repayment history makes your borrowers portable — they return for the next loan. Inbound: lookups on applicants include signals from employers, telcos, and merchants you never could have sourced alone.
What you share
Repayment and facility events into the lending context — structured, consented, auditable. Separate metering: TCU for ingest, report credits for lookups you run.
Why it compounds
Hybrid producers grow the pool everyone lends into. You are not subsidizing TumiTrust — you are buying network effects cheaper than building bilateral data deals.
What you gain
New enterprise revenue: institutions pay for lookups in utilities/digital_platform contexts. Stickier subscribers when loan and insurance partners approve faster using telco-attributed proof.
What you share
Subscriber events you already process — payment consistency, tenure, product usage — through a connector you control. Pulse shows ingest health; no bespoke bureau engineering.
Why it compounds
Lenders access thin-file truth through lookups, not raw telco dumps. You remain the trusted interface; PTI is infrastructure, not a competitor for your wallet.
What you gain
Employees and alumni carry proof to rentals and credit — you strengthen your brand as a verifier. HR tech partners differentiate with programmable trust APIs instead of PDF letters.
What you share
Employment verification events and badge issuance — purpose-limited to employment context. You choose which cohorts and fields are emitted.
Why it compounds
Every institution that hires or lends using employment context reinforces the value of your verification program — reciprocal, not extractive.
Institutions consume — they do not feed the network by default. You purchase context-scoped trust lookups and optional screening. Explainable drivers, provenance, and audit trails are the product — not a black-box score or a mandate to upload your portfolio.
What you gain
Approve more good thin-file applicants with defensible drivers — confidence band, ranked signals, explicit gaps. Faster ops than manual document chasing.
What you use
A context-scoped lending lookup — structured JSON and PDF. Partner and community signals arrive as explainable intelligence, not raw third-party dumps.
Your outcome
Your credit policy stays yours. Borrower leaves with portable proof — better retention when they need you again.
What you gain
Replace emailed PDF chains with audited API workflows. Package entitlements per line of business — pay for contexts you enable, not a monolithic bureau lock-in.
What you use
TT_LIVE keys, verified webhooks, Compliance Center export. Same golden path your hub users and core banking integrators share.
Your outcome
Shorter time-to-yes on thin file. Committee packs with provenance — regulators see process, not opaque scores.
What you gain
Reach profitable informal-sector lives traditional files mis-price. Optional risk_compliance lens when screening is in scope.
What you use
Insurance + risk_compliance contexts, Insights Studio explain panel, verify QR for broker and reinsurer packs.
Your outcome
Fairer premiums, fewer silent exclusions. Adverse-action fields stay with your workflow — we supply infrastructure.
Members are not the product. You build and choose what to share. Partners and institutions add verified signals that strengthen your Trust CV — but portable proof stays with you across lending, rental, work, and trade.
What you gain
Working-capital and supplier terms without restarting paperwork at every lender. Endorsements and partner merchant events count toward your Trust CV.
What you contribute
Consented profile, community validation, and shareable Trust CV when a lender requests a lookup — you control the moment of sharing.
Your outcome
Institution decides with explainable drivers. Same proof works for rental, insurance, and the next loan.
What you gain
Equipment finance and buyer contracts that recognize group accountability — not only individual collateral.
What you contribute
Member endorsements, officer badges, and seasonal sales signals in agricultural context — strengthened when partner producers participate.
Your outcome
Investor runs a trust lookup on the group; each member's portable proof compounds season over season.
What you gain
Fair deposit terms when landlords see consistent payments and verified employment — without a rental bureau file.
What you contribute
Trust CV and consented share when the landlord runs an optional lookup; employment badge from a verifier you already trust.
Your outcome
Documented rental history for the next lease — portable across cities and landlords.
Fail-closed by design. Screening returns clear, match_review, not_run, or unavailable — never silent clearance. Institutions keep the adverse-action workflow.
What you gain
Faster onboarding with defensible AML packs — sanctions, PEP, identity, registry, contracted UNSCR when enabled.
What you use
screening_summary, risk_indicators, coverage_gaps — structured for officers, not black-box clearance.
Your outcome
Fail-closed by design: clear, match_review, not_run, or unavailable. Every check traceable in Compliance Center.
What you gain
High-volume signup with screening dossier tier when required — same hub and API contract.
What you use
merchant_onboarding persona, external-subject screening route, producer events optional on the same platform.
Your outcome
Risk and growth teams share one audit trail — producers feeding events does not bypass your compliance review.
What you gain
Proceed with risk assessment when directory misses — strong identifiers trigger screening path automatically.
What you use
External screening API (billed separately); preprofile flows when subject joins later — continuity without rework.
Your outcome
Documented provenance for committees; optional trust layer when they become members.
20 contexts on one map — catalogue · solutions · risk & compliance
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Potential Trust Score
See how your trust network and achievements translate into opportunities
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Trust map coverage
Slide Trust contexts to activate rows 1→20 (same order as our canonical map). Trust index rounds to a whole number, out of 1000.
All 20 contexts (chips light up with slider)
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