Institutions on TumiTrust
Institutions & verifiers
Decide with trusted context — structured trust intelligence beside the systems you already run, not instead of them.
Audience: banks, landlords, employers, insurers, and verifier institutions that decide with trust for a purpose (decide on Join TumiTrust).
Outside formal credit or identity files, teams often lack shared proof they can trust. TumiTrust combines verified activity, relationships, and behavioural signals into explainable, context-scoped trust intelligence for thin-file decisions, less repeated verification, and clearer onboarding.
TumiTrust serves institutions that consume trust and partners that attest activity on the same Portable Trust Infrastructure (PTI). This page covers institutions that look up members and generate purpose-scoped trust reports. For sanctions / PEP / UN list screening as a dedicated product, see Screening services. For signal ingest, see For partners (attest).
What you get
- Context-scoped lookups and explainable reports
- Less repeated manual verification
- Optional screening alongside trust workflows
- Complements — does not replace — bureaus, KYC, and core risk platforms
Outcomes
- Register an institution tenant and complete onboarding in the hub
- Run trust report lookups scoped to lending, rental, employment, merchant, and other contexts
- Integrate via
/api/v1/trust-reports/with institution API keys - Optional: operate verifier workflows (badge and employment verification) from the verifier dashboard
What institution accounts do
Institution accounts are trust consumers. You:
- Register on the web and complete the institution onboarding wizard
- Use the institution hub for dashboards, team access, and billing
- Run trust lookups and generate context-scoped reports
- Integrate via Trust platform API — search, generate, poll, and download
You do not need webhooks or TCU metering unless you also register as a partner that attests activity.
Register ──► Onboarding wizard ──► Lookup Studio ──► Generate report ──► Poll + PDF / intelligence
Registration paths
| Path | Best for |
|---|---|
| Institution registration | Banks, landlords, employers, insurers — report lookups |
| Trust producer registration | Commerce, telco, platforms — ingest + Pulse |
After signup, open your hub at /institution/<your-slug>/dashboard/.
Lookup Studio (dashboard lookups)
Most institution teams start in the hub, not curl. The console and the API share one contract — when you need field-level detail, open the integration guide.
| You want to… | In the hub | In the docs |
|---|---|---|
| Run your first lookup end-to-end | Lookup Studio → pick Risk assessment → search subject → Generate report | Lookup Studio (dashboard) |
| Risk & compliance (insurance, screening, multi-context) | Dashboard spotlight → Run risk assessment lookup | Risk & Compliance Intelligence |
| Screen someone not in your directory | Same lookup — add national ID or phone; screening runs automatically when search returns no match | External screening API |
| Try risk & compliance end-to-end | Dashboard spotlight → Run risk assessment lookup | Risk & Compliance — get started |
| See example JSON (scores + explainability per context) | Open a completed report in Insights Studio | Completed report example |
| Automate the same flow | API & trust signals → create sandbox key | Trust platform API |
| Understand context IDs before you click | Context chips in the generate dialog | Trust report context IDs |
Rule of thumb: each context you select in the hub (e.g. lending + merchant) produces one block in trust_intelligence.context_intelligence[] in the API response — same data the dashboard charts use.
Trust Intelligence (consumer console)
The Trust Intelligence page gives institution consumers a command-center view:
- Report status and completion funnel
- Credits and API throughput
- Contexts used in recent lookups
- Integration health
This is separate from the partner Pulse surface, which adds usage billing, ingest funnels, and producer tooling.
Verifier institutions
Some institutions act as verifiers: they issue durable trust badges and run employment or credential verification—not just passive report lookups.
| Surface | Path | Purpose |
|---|---|---|
| Programme board & Award floor | /institution/<slug>/programmes/ | Cohorts, PTI participants, issue credentials / attest milestones with trust credits |
| Consent desk | /institution/<slug>/consent-desk/ | Member-granted score & network access — list-first, expiring-soon cues |
| Verifier dashboard | /verifier/dashboard/ | Verification queue, badge issuance, team tools |
| Employment verification | Institution hub workflows | Employer-submitted verification requests |
| Badge verification | Public verification flows | Third parties confirm badge authenticity |
Related guide: Programmes, Consent & Awards — credit meter, issue confirmation, consent list + selective share, mobile pairing.
Verifiers share the same institution tenant model as report consumers. During onboarding, set your institution role to match how you use the platform (consumer, verifier, or hybrid with producer ingest).
For API access to trust reports, use Trust platform API — authentication, documented trust contexts, copy-paste lookup examples, webhooks, and multi-language samples.
Use cases
| Context | Typical institution |
|---|---|
| Lending | Banks, MFIs, SACCOs |
| Rental | Landlords, property managers |
| Employment | Employers, HR platforms |
| Merchant | B2B onboarding as consumer of merchant trust |
| Insurance / risk | Insurers, underwriters — multi-context + screening |
Producers enable contexts during partner onboarding; consumers request specific contexts when generating a report. See Screening services and Risk & Compliance Intelligence for list checks and lookup profiles.
Compliance Center and Evidence Explorer
- Screening Intelligence — run list packs (sanctions, PEP, UN lists) from the hub; see Screening services.
- Compliance Center (
/institution/<slug>/compliance/) — screening status grid, full history, and CSV audit export. - Evidence Explorer — Insights Studio → View Evidence on each context card; traces score → signals → source activity.
- Subject timeline — unified activity feed in Insights Studio and via
GET …/api/trust/timeline/.
API and reports
- Generate reports:
POST /api/v1/trust-reports/reports/generate/ - Poll, intelligence, and PDF download: Institution report lookup on Trust platform API
- Full integration guide: Trust platform API
- Intelligence envelope:
trust_intelligence.v1— scoped to requested contexts only
PDF reports use a PTI-first layout: cover with context chips, executive summary per primary context, one section per requested context, verification block.
Billing
Institution consumers purchase report credits and API capacity per contract. Trust producers are metered in TCU (Trust Compute Units) — see Partner billing.
Next steps
- Complete institution onboarding in the hub (
/institution/<slug>/onboarding/) - Invite your team from hub settings
- Walk Programmes, Consent & Awards once with credits available
- Read Trust platform API — full consumer contract and step-by-step lookup examples
- For signal ingest, see For partners and Connector configuration