For P2P credit
Know who to trust, with proof.
Money given informally between friends, family, and acquaintances rarely has any paper trail at all — just a memory of who said what. trustRate gives that arrangement the same dual-confirmation record a bank gives a formal account, without turning the relationship into one.
The problem today
"I'll pay you back" has no record
A verbal promise is easy to make and easy to forget — by either side — once the money's already moved.
Awkward to ask, awkward to chase
Reminding a relative or friend about money they owe you is one of the most uncomfortable conversations there is.
No way to know if they're already overextended
The same person asking you for help might already be late settling three other informal arrangements you'll never hear about.
Good repayment goes unrewarded
Someone who's always paid back on time has no way to prove that pattern to the next person they ask.
How trustRate helps
Both sides confirm, nobody's word alone
The other person accepts the agreement themselves from their own account — it's not just your note of what was agreed.
A real due date, tracked automatically
Set when it's due once; trustRate tracks it from there, so chasing it isn't entirely on you.
Check their trustRate before you say yes
See how this person has actually repaid other agreements on the platform, before you decide how much to give.
Reliable repayment builds something that lasts
Every on-time repayment adds to a rating that makes it easier for them to be trusted again — by you, or by someone else.
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