In a savings circle, trust is everything.
The trust score gives that something concrete to stand on.
85
out of 100Trust has always been the system. Baanka makes it visible.
Savings circles have always run on personal trust. You join a circle because you know the organiser, or because someone you trust vouches for a member. That works well in closed groups where everyone knows each other.
But Baanka is building towards something bigger: a platform where communities can save together at scale, including with people they do not yet know personally. For that to work safely, trust needs to be visible, not just assumed.
This is not a credit score.
The Baanka trust score does not assess your wealth, your income, or your borrowing history. It measures the one thing that actually matters in a savings circle: whether you show up and do what you committed to do.
Scores run from 0 to 100. Five signals. Nothing hidden.
Every signal is based on your activity within Baanka circles. The higher your score, the stronger your track record.
On-time payments
Your payment reliability over the last 90 days. This carries the most weight because consistent, on-time contributions are the foundation of every circle. One late payment will not ruin your score. A pattern of them will.
Group tenure
How long you have been active in circles on Baanka. Longevity signals commitment. Someone who has been part of the community for two years carries more inherent trust than someone who joined last week.
Completed cycles
The number of full rotations you have seen through to the end. Completing a cycle means you committed and followed through, for every member, not just until your payout arrived.
Verification
5 points for a verified email address, 5 points for a verified phone number. Basic verification signals you are a real person with accountability.
Disputes
Active disputes or payment reversals in the last 90 days reduce your score. Disputes are not always the member's fault, but they are a signal worth surfacing.
Three tiers. One clear direction.
New members start in the building trust tier. A consistent record of on-time contributions moves you up quickly.
70 and above
A strong track record. Organisers reviewing your join request will see this signal clearly.
40 to 69
A solid record with room to grow. Continued on-time contributions will move you into high trust.
Below 40
Where everyone starts. Your score builds as you complete contributions and cycles on the platform.
One signal among several, not a gate.
When reviewing a join request, organisers can see a member's trust score alongside their request. An organiser who personally knows someone will always weight that relationship above a score. For open circles where the organiser does not know the applicant, the trust score gives them a starting point for making a decision they feel confident about.
Your score is yours to build. And to carry beyond this platform.
You can see every signal that contributes to your score and track how it changes over time. A strong score signals to organisers that you are a reliable member worth approving.
But the score is building something bigger than circle access. For communities that have historically been invisible to formal financial institutions, a verified record of financial reliability is significant. As Baanka moves towards payment integration and FCA regulation, your track record within the platform will matter outside it — to lenders, credit unions, and any institution where your financial behaviour has previously gone unrecorded.
Privacy
Your detailed trust signals are visible only to you. Organisers can see your overall score when reviewing a join request within their group. No one outside your circles can see your score. We do not sell or share personal data.
As Baanka develops, we intend to give you the option to share your record — contributions, completed cycles, trust score — with third parties such as lenders, credit unions, or other platforms. Any such sharing will require your explicit consent at the time. We will never share your data without your active permission.