Portable Trust Infrastructure · PTI
Verified activity becomes portable proof people can carry.
TumiTrust pti
Organizations already create trust every day.
Employment, lending, transactions, certifications, memberships, and relationships — TumiTrust helps people turn those trusted events into portable, verifiable proof they can reuse when they authorize a decision.
Built for institutions that decide, partners that attest, and people who carry proof — pick your path →
What is Portable Trust Infrastructure?
PTI is the vendor-neutral specification for how trust is produced, exchanged, resolved, and consumed across 20+ contexts — portable, explainable, and governed. Any organization can implement it.
PTI origin
Who pioneered the standard, why it exists, and how the open ecosystem grows.
Read the origin story →Why PTI exists
Trust rebuilt in silos at every institution — PTI makes it shared infrastructure.
Read why →How PTI differs
Complements identity, KYC, and payments — PTI orchestrates portable trust signals across them.
Comparisons →Build on PTI
Specification, RFCs, and conformance — implement a compatible platform from the docs.
Build your own →Three clear paths into PTI
Everyone understands a little when we talk to everyone. Pick the path that matches your job.
Decision-makers
Organizations that make decisions
Banks, lenders, insurers, employers, marketplaces, governments.
You need better trust signals.
Verify, assess, and consume structured trust intelligence alongside your existing processes.
For institutions →Trust producers
Organizations that create trusted activity
Employers, cooperatives, platforms, schools, telcos, NGOs.
Help people carry proof beyond one system.
Attest trusted events so individuals can reuse that history — with consent — when a decision matters.
For trust producers →Individuals
Build portable proof
Members who need verified history to travel with them.
Carry verified evidence.
Employment, credentials, relationships, and achievements — with privacy and consent controls.
For individuals →What TumiTrust is — and is not
Short answers. No jargon.
TumiTrust is not
- ✕A credit bureau
- ✕A replacement for your ID or KYC checks
- ✕A place that sells people’s data
- ✕A background-check company
- ✕An app that only shows one score
TumiTrust is
- ✓Infrastructure so trust proof can move with a person
- ✓A shared language for verified activity across life contexts
- ✓A way to review someone’s trust story — with reasons — before you decide
- ✓A bridge so organisations can reuse that proof safely across systems
- ✓Optional sanctions / PEP / watchlist checks — extras for a trust decision, not a full compliance suite
How organizations use PTI
Business language for the same rails — verified activity becomes portable proof when the person authorizes a purpose.
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1
Trusted activity happens
Employee completes training · farmer repays an input loan · merchant fulfils orders · member participates in a cooperative · business completes compliance checks.
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2
Trust signals are created
Verified events become structured signals — so the person can carry them, with the producer still accountable for what was attested.
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3
PTI structures and verifies those signals
Portable Trust Infrastructure makes them consistent and explainable — ready for the person to reuse in contexts they authorize.
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4
Authorized organizations use that trust when deciding
Approve lending · verify employment · onboard partners · reduce fraud · assess risk — without replacing your core systems.
Trust producers
Your organization already creates trust
Every organization attests valuable history — employment, repayments, transactions, certifications, memberships, compliance events. PTI lets people carry that proof with them — you stay accountable for what you attested.
This is not “hand over your customers’ data.” You help people keep a portable Trust CV from activity that already happened — shared only when they consent.
The platform built on PTI
Product surface for the open standard: Trust CV, context-scoped lookups, partner connectors, and optional screening — how the product works →
| Feature |
TumiTrust
|
Legacy credit files | Other Platforms |
|---|---|---|---|
|
Trust Contexts Covered
|
20+ contexts | 1-2 (Lending only) | 1-3 contexts |
|
Data Sources
|
Community endorsements, verified activities, mobile money, savings groups, rental history, employment, partnerships, & more | Bank accounts & formal credit only | Limited to specific sectors |
|
Who Can Build a Score
|
Everyone | Requires bank account & credit history | Limited eligibility |
|
Cost to Build Score
|
100% FREE | Fees for reports & access | Subscription fees |
|
Who can run trust lookups
|
Individuals (in-app) and organisations (dashboard/API)—same underlying trust signals | Typically lenders only | Varies; often org-only or narrow use |
|
Philosophy
|
Portable trust — community trust | Individual financial history | Varies by platform |
|
Score Updates
|
Real-time | Monthly/quarterly updates | Delayed updates |
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Trust lookups for decisions
|
Yes, 20-context coverage | Lending context only | Limited contexts |
|
Community Network Value
|
Endorsements from your network strengthen your score | No network effect | Limited or none |
|
Mobile Money & Informal Economy
|
Fully Integrated | Not recognized | Partial support |
Live infrastructure
Portable trust, in motion
Live from platform telemetry — trust computations, report lookups, and onboarded entities update every 30s.
Portable Trust Infrastructure in Action
Portable trust
See how trust moves: build it, use it — 20 contexts.
Nandi joins TumiTrust
Starting with a base score of 300
Friends and family endorse her character
5 endorsements: +50 points → Score: 350
Employer verifies her employment badge
Institutional verification: +120 points → Score: 470
Uploads mobile money statement showing consistent income
Financial pattern analysis: +180 points → Score: 650
Community members endorse her across multiple contexts
Multi-context trust: +100 points → Score: 750 ✨
Nandi is now trust-ready across multiple contexts! 🎉
Score: 882/1000 • Lending Trust: 918 • 15 endorsements • 3 badges
Your Trust Network
In Your Pocket 🤝🏿
Real screens from the app — discover, endorse, check trust, and run lookups from your phone.
20 trust contexts
Primaries + lenses on one map — lending to civic life, endorsements where your build allows.
Discover Trust Connections
Swipe, spot mutual trust, connect—your circle grows with real signal.
Collect Verified Badges
Employers, schools, landlords—request verification; each badge lifts your score.
Trust lookups
Basic · Detailed · Predictive in the app. Same signals partners wire in at scale.
Real-Time Updates
Endorsements and badges land—your score moves with them.
Real-World Applications
Concrete workflows by role — what you gain, what you attest or look up, and why it compounds. Audience paths are above; these are the day-to-day stories.
Not a one-way feed. Producers attest on their terms (webhook, API, CSV), see volume and funnel health in Pulse, enable contexts per contract, and often also run lookups as consumers. The more people can reuse proof from your contexts, the more your relationships compound.
What you gain
Higher merchant retention and GMV: sellers carry portable proof into finance without you building a scoring stack. Stronger platform value when merchants unlock capital and insurance on their terms.
What you attest
Catalogued merchant events you already hold — onboarding, settlement, dispute outcomes — via webhook or CSV. TCU-metered; context-bound; no open-ended data dump.
Why it compounds
Every authorized lookup that uses merchant context helps a seller you already serve. Competitors cannot replicate isolated silos — you hold a producer seat that puts merchants first.
What you gain
Outbound: repayment history travels with your borrowers — they return for the next loan. Inbound: lookups on applicants include signals from partners you never could have sourced alone.
What you attest
Repayment and facility events into the lending context — structured, consented, auditable. Separate metering: TCU for ingest, report credits for lookups you run.
Why it compounds
Hybrid producers grow fairer thin-file decisions for people in the network. You are not subsidizing TumiTrust — you are buying network effects cheaper than bilateral data deals.
What you gain
Stickier subscribers when loan and insurance partners approve faster using telco-attributed proof they authorize. Optional enterprise paths when institutions contract for lookups in your contexts.
What you attest
Subscriber events you already process — payment consistency, tenure, product usage — through a connector you control. Pulse shows ingest health; no bespoke scoring engineering.
Why it compounds
Institutions see thin-file truth through authorized lookups, not raw telco dumps. You remain the trusted interface; PTI is infrastructure, not a competitor for your wallet.
What you gain
Employees and alumni carry proof to rentals and credit — you strengthen your brand as a verifier. HR tech partners differentiate with programmable trust APIs instead of PDF letters.
What you attest
Employment verification events and badge issuance — purpose-limited to employment context. You choose which cohorts and fields are attested.
Why it compounds
Every hire or lending decision that uses employment context reinforces the value of your verification program — reciprocal for people, not extractive.
Institutions consume — they do not feed the network by default. You purchase context-scoped trust lookups and optional screening. Explainable drivers, provenance, and audit trails are the product — not a black-box score or a mandate to upload your portfolio.
What you gain
Approve more good thin-file applicants with defensible drivers — confidence band, ranked signals, explicit gaps. Faster ops than manual document chasing.
What you use
A context-scoped lending lookup — structured JSON and PDF. Partner and community signals arrive as explainable intelligence, not raw third-party dumps.
Your outcome
Your credit policy stays yours. Borrower leaves with portable proof — better retention when they need you again.
What you gain
Replace emailed PDF chains with audited API workflows. Package entitlements per line of business — pay for contexts you enable, not a monolithic data lock-in.
What you use
TT_LIVE keys, verified webhooks, Compliance Center export. Same golden path your hub users and core banking integrators share.
Your outcome
Shorter time-to-yes on thin file. Committee packs with provenance — regulators see process, not opaque scores.
What you gain
Reach profitable informal-sector lives traditional files mis-price. Optional risk_compliance lens when screening is in scope.
What you use
Insurance + risk_compliance contexts, Insights Studio explain panel, verify QR for broker and reinsurer packs.
Your outcome
Fairer premiums, fewer silent exclusions. Adverse-action fields stay with your workflow — we supply infrastructure.
Members are not the product. You build and choose what to share. Partners and institutions add verified signals that strengthen your Trust CV — but portable proof stays with you across lending, rental, work, and trade.
What you gain
Working-capital and supplier terms without restarting paperwork at every lender. Endorsements and partner merchant events count toward your Trust CV.
What you contribute
Consented profile, community validation, and shareable Trust CV when a lender requests a lookup — you control the moment of sharing.
Your outcome
Institution decides with explainable drivers. Same proof works for rental, insurance, and the next loan.
What you gain
Equipment finance and buyer contracts that recognize group accountability — not only individual collateral.
What you contribute
Member endorsements, officer badges, and seasonal sales signals in agricultural context — strengthened when partner producers participate.
Your outcome
Investor runs a trust lookup on the group; each member's portable proof compounds season over season.
What you gain
Fair deposit terms when landlords see consistent payments and verified employment — without restarting paperwork from scratch.
What you contribute
Trust CV and consented share when the landlord runs an optional lookup; employment badge from a verifier you already trust.
Your outcome
Documented rental history for the next lease — portable across cities and landlords.
Fail-closed by design. Screening returns clear, match_review, not_run, or unavailable — never silent clearance. Institutions keep the adverse-action workflow.
What you gain
Faster onboarding with defensible AML packs — sanctions, PEP, identity, registry, contracted UNSCR when enabled.
What you use
screening_summary, risk_indicators, coverage_gaps — structured for officers, not black-box clearance.
Your outcome
Every check is clear, match_review, not_run, or unavailable — and traceable in Compliance Center.
What you gain
High-volume signup with screening dossier tier when required — same hub and API contract.
What you use
merchant_onboarding persona, external-subject screening route, producer events optional on the same platform.
Your outcome
Risk and growth teams share one audit trail — producers feeding events does not bypass your compliance review.
What you gain
Proceed with risk assessment when directory misses — strong identifiers trigger screening path automatically.
What you use
External screening API (billed separately); preprofile flows when subject joins later — continuity without rework.
Your outcome
Documented provenance for committees; optional trust layer when they become members.
20 contexts on one map — catalogue · solutions · risk & compliance
Feel your
TumiTrust score
One Portable Trust ID. Twenty life contexts. This demo shows how endorsements, coverage, and proof combine into a readable indicator — not a bureau black box.
Build Your Profile
Your trust passport
PTI covers 20 life contexts — 10 primary decision areas, plus 10 lenses. Slide Trust Contexts Covered to light them up.
Illustrative only. Live scores are TumiTrust indicators (0–1000 headline) with reasons — not a bureau number.
Primary · 10
Where decisions usually start
Lenses · 10
Cross-cutting views on the same proof
Free • Takes 2 minutes • No credit card required
Got Questions? We've Got Answers
Category, value, and data — the questions enterprises ask first