Support someone without risking your money.
Stake reputation, not cash.
This is NOT like co-signing a bank loan
What banks do (scary)
Legally liable for debt
You owe the money if they don't pay
Can be sued
Courts, lawyers, collections
Destroys credit score
Shows on your credit report
Wage garnishment
Money taken from paycheck
📊 Result: 95% say NO
How we do it (safe)
NO legal liability
You don't owe money, period
Cannot be sued
No courts, no lawyers
No credit impact
Never shows on credit report
No wage garnishment
Your money stays yours
✨ Result: 60-70% say YES
Important but not everything. Payment history matters more.
Vouching helps, but it's only 15% of your trust score. You still need to:
Think of vouching as a boost, not a replacement for proving yourself.
What it takes to reach a full trust score
Your trust score is the weighted average of five areas. To reach 100, each area needs to be strong — there’s no single shortcut.
On-time and early payments, plus streaks.
How to max it:
Pay on time or early. Streaks of 5, 10, 25+ on-time payments add bonus points. Avoid late or missed payments.
Successfully repaid loans vs defaults.
How to max it:
Complete loans without defaulting. The more you repay (e.g. 8–10+ loans, 0 defaults), the higher this component. One default hurts; many completions build it up.
Vouches you receive + your vouching track record.
How to max it:
Receive strong vouches (e.g. 5+ with high strength, or enough so total boost ≥ 50) and, if you vouch for others, have 7+ of your vouchees complete loans with 0 defaults to max both sides of social.
ID, bank, phone, and other checks.
How to max it:
Complete verification steps (e.g. identity, bank connection, phone). Each step adds points toward the verification component.
How long you’ve been on the platform.
How to max it:
Time on platform. New accounts start around 50; the score grows with months of activity (e.g. 6+ months for a solid tenure score).
You're making a character judgment based on your personal knowledge of them.
Your platform standing reflects your judgment. If they default, your trust score drops.
Platform reputation affected. But NO financial loss, lawsuits, or credit damage.
"I will pay their debt if they don't"
"I accept legal responsibility"
"You can sue me or garnish my wages"
"This affects my credit report"
Here's exactly what happens to you as a voucher
Would I lend them money myself? If no, don't vouch.
Do I trust their character? Not their luck, but their integrity.
Am I okay with platform consequences? 50-point drop, 12-month suspension manageable?