Earn proof · look up when you need to decide.
TumiTrust network
Backed by people who know you. Proof you can take anywhere.
Your network, your proof—19 contexts, one map.
The default trust layer when hire, housing, credit, or a partnership is on the line—portable, multi-context, rooted in people who actually know you.
You: earn proof, share it anywhere, run a trust lookup when you need to decide (consent + credits as posted). Partners: same network—badge, verify, API at volume.
Portable trust — build it once; walk into the next room with the same profile.
What is TumiTrust?
Africa’s portable trust network—the default trust layer when hire, housing, credit, or a partnership is on the line.
Members and institutions, one system: get vouched for, earn badges, share proof—and when you’re choosing someone else, run a trust lookup (permissions + credits as posted). Partners scale the same rails—dashboards and API.
People who know you + verified badges, read in the right life context (19 documented areas—primaries + lenses). Essentials free; lookups and some flows use credits—in app or API.
| Feature |
TumiTrust
|
Traditional Credit Bureaus | Other Platforms |
|---|---|---|---|
|
Trust Contexts Covered
|
19 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, 19-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 |
Portable trust, in motion
WOWTrust Intelligence in Action
Portable trust
See how trust moves: build it, use it — 19 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.
19 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
See how TumiTrust transforms trust into opportunity across Africa's diverse economy
The Challenge
Nakawala owns a hair salon in Lusaka but has no formal credit history. Banks won't lend to her despite 5 years of successful business.
How TumiTrust Helps
Merchant Trust Score: 847/1000
Based on her supplier payments and customer loyalty
Employment Badge: Verified
Her landlord confirmed 5 years of reliable rent payments
Community Endorsements: 15
Customers and suppliers trust her in business context
Mobile Money Analysis
Consistent income of ZMW 8,000/month for 2 years
The Result
With her improved TumiTrust score, lenders approved Nakawala for ZMW 20,000 at 18% APR (vs 45% from informal lenders). She expanded her salon and now employs 3 people.
The Challenge
Chimwemwe just graduated and got his first job. Landlords in Kitwe demand 6 months rent upfront due to lack of rental history.
How TumiTrust Helps
Rental Trust Score: 800/1000
University accommodation paid on time for 4 years
Employment Badge: Verified
New employer confirmed ZMW 6,500/month salary
Character Endorsements: 8
University friends and family vouch for reliability
Overall TumiTrust Score: 645
Strong community ties and consistent behavior
The Result
Landlord accepted 1 month deposit + 1 month rent instead of 6 months upfront. Chimwemwe saves ZMW 26,000 and builds rental history for the future.
The Challenge
A cooperative of 25 farmers in rural Zambia needs ZMW 150,000 for irrigation equipment. No member has collateral or formal banking history.
How TumiTrust Helps
Agricultural Score: 882/1000
3 years of consistent crop sales and input loan repayment
Community Leader Badge
District agricultural officer verified the group
Partnership Trust: High
Members endorse each other across multiple contexts
Collective TumiTrust Score: 710
Strong community bonds and mutual accountability
The Result
Impact investor approved ZMW 150,000 at favorable terms. First harvest increased by 40%. All 25 farmers now have employment badges and improved scores.
The Challenge
Asali sells vegetables at a market in Ndola. Insurance companies consider her "high risk" with no formal income proof and refuse coverage or charge 3x normal premiums.
How TumiTrust Helps
Insurance Risk Score: 818/1000
Clean payment history for market fees and utilities
Informal Sector Badge
Market association verified 7 years of consistent trading
Savings Group Member Badge
Contributes ZMW 200/week to community savings for 3 years
Mobile Money Consistency
Regular transactions show ZMW 4,500/month income
The Result
Microinsurance provider offered health coverage at standard rates (ZMW 50/month vs ZMW 150 quoted before). Asali and her family are now protected.
19 contexts — one map. Real stories; millions more to come.
Start Building Your TumiTrust Score
Calculate Your
Potential Trust Score
See how your trust network and achievements translate into opportunities
Build Your Profile
Trust map coverage
Slide Trust contexts to activate rows 1→19 (same order as our canonical map). Score rounds to a whole number, out of 1000.
All 19 contexts (chips light up with slider)
Free • Takes 2 minutes • No credit card required
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