How it works
Dual confirmation, one shared rating.
trustRate is not a credit bureau pulling data from somewhere else. Every number on it comes from a real agreement, confirmed by both the person who gave credit and the person who took it.
A seller creates a credit agreement
A seller gives goods, money, or a service to a buyer now, to be paid for later. They record the amount, the due date, and (for goods) attach the invoice — right inside trustRate, in under a minute.
The buyer confirms it from their own dashboard
This is dual confirmation, and it's the whole point: the buyer has to log in and accept the agreement themselves. No OTP is needed for this step — OTP is reserved for identity (KYC) only, never for agreeing to a deal. A buyer who never agreed to anything can never have their rating affected by it.
Repayment happens in the real world — on time, or late
The seller marks the payment received, or it's confirmed automatically through the agreed channel. If a due date passes with nothing recorded, trustRate knows, and the agreement moves to overdue.
The buyer's trustRate rating updates — for everyone to see
On-time payment, credit utilisation, settled value, how long they've been active, and how many counterparties trust them all blend into one 0-1000 number. The next seller who's asked to extend credit can check it before they say yes.
What a Trust Profile actually shows
A trustRate rating is a single 0-1000 number, built from six real factors: on-time payment, credit utilisation, this month's settled value against the buyer's own trailing average, how long they've been active, how many different counterparties they've genuinely transacted with, and how evenly their credit is spread across goods, money, and service deals. Nobody can inflate it by paying one generous partner on time every month while ignoring everyone else — the rating is built to notice that.