"I am because we are"
- Ubuntu Philosophy
TumiTrust network
Where Community Trust Unlocks Economic Opportunity
Traditional systems can't see your real trustworthiness. We can.
Your community knows you're reliable. Your network trusts you. Now prove it with your TumiTrust Score.
"I am because we are" - Get endorsed by people who know you. Build your score. Unlock opportunities across 10 trust contexts - loans (with credit reports), rentals, jobs, partnerships, insurance, and more.
What is TumiTrust?
We're NOT a lender. We help you prove you're trustworthy to banks, landlords, employers, and partners.
Based on "I am because we are" - we measure your trust across 10 trust contexts: lending (with credit reports for loan access), rental, employment, insurance, partnerships, supplier trust, informal sector, agriculture, remittance, and merchant credit.
Your score comes from people who know you - friends, colleagues, partners who endorse you. No bank account needed. No credit history required. Just real trust from your community.
TumiTrust vs. Traditional Systems
See why TumiTrust is the future of trust intelligence across all 10 life's contexts
| Feature |
TumiTrust
|
Traditional Credit Bureaus | Other Platforms |
|---|---|---|---|
|
Trust Contexts Covered
|
10 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 |
|
Philosophy
|
"I am because we are" - Ubuntu-based community trust | Individual financial history | Varies by platform |
|
Score Updates
|
Real-time | Monthly/quarterly updates | Delayed updates |
|
Credit Reports for Loans
|
Yes, across 10 contexts | 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 |
10 Trust Contexts
The only platform covering lending, rental, employment, insurance, partnerships, supplier trust, informal sector, agriculture, remittance, and merchant credit.
Community-Powered
Built on Ubuntu philosophy - your network's trust in you becomes your score. No bank account or credit history required.
Real-Time & Free
Your score updates instantly as you earn endorsements and verify activities. Building your score is 100% free forever.
Live Impact Feed
LIVETrust Intelligence in Action
"I am because we are" - Ubuntu Philosophy
Watch how trust flows through our network, empowering Africans to prove their trustworthiness to lenders, landlords, employers, and partners across 10 trust 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: 750/850 • Lending Trust: 780 • 15 endorsements • 3 badges
Your Trust Network
In Your Pocket 🤝🏿
Discover connections, build trust, and unlock opportunities - all from your mobile device
10 Multi-Context Trust Scores
See your TumiTrust Score across 10 trust contexts: Lending, Rental, Employment, Insurance, Merchant Credit, Partnership, Supplier Trust, Informal Sector, Agriculture, and Remittance. Each context measures different aspects of your trustworthiness.
Discover Trust Connections
Swipe through potential connections, see mutual endorsements, and build your trust network with people who matter.
Collect Verified Badges
Request institutional verification from employers, universities, landlords, and more. Each verified badge instantly boosts your TumiTrust Score.
Real-Time Updates
Watch your score grow instantly as you receive endorsements, earn badges, and strengthen your trust network.
Real-World Applications
See how TumiTrust transforms trust into opportunity across Africa's diverse economy
The Challenge
Nakawala owns a hair salon in Lusaka but has no formal credit history. Banks won't lend to her despite 5 years of successful business.
How TumiTrust Helps
Merchant Trust Score: 720/850
Based on her supplier payments and customer loyalty
Employment Badge: Verified
Her landlord confirmed 5 years of reliable rent payments
Community Endorsements: 15
Customers and suppliers trust her in business context
Mobile Money Analysis
Consistent income of ZMW 8,000/month for 2 years
The Result
With her improved TumiTrust score, lenders approved Nakawala for ZMW 20,000 at 18% APR (vs 45% from informal lenders). She expanded her salon and now employs 3 people.
The Challenge
Chimwemwe just graduated and got his first job. Landlords in Kitwe demand 6 months rent upfront due to lack of rental history.
How TumiTrust Helps
Rental Trust Score: 680/850
University accommodation paid on time for 4 years
Employment Badge: Verified
New employer confirmed ZMW 6,500/month salary
Character Endorsements: 8
University friends and family vouch for reliability
Overall TumiTrust Score: 645
Strong community ties and consistent behavior
The Result
Landlord accepted 1 month deposit + 1 month rent instead of 6 months upfront. Chimwemwe saves ZMW 26,000 and builds rental history for the future.
The Challenge
A cooperative of 25 farmers in rural Zambia needs ZMW 150,000 for irrigation equipment. No member has collateral or formal banking history.
How TumiTrust Helps
Agricultural Score: 750/850
3 years of consistent crop sales and input loan repayment
Community Leader Badge
District agricultural officer verified the group
Partnership Trust: High
Members endorse each other across multiple contexts
Collective TumiTrust Score: 710
Strong community bonds and mutual accountability
The Result
Impact investor approved ZMW 150,000 at favorable terms. First harvest increased by 40%. All 25 farmers now have employment badges and improved scores.
The Challenge
Asali sells vegetables at a market in Ndola. Insurance companies consider her "high risk" with no formal income proof and refuse coverage or charge 3x normal premiums.
How TumiTrust Helps
Insurance Risk Score: 695/850
Clean payment history for market fees and utilities
Informal Sector Badge
Market association verified 7 years of consistent trading
Savings Group Member Badge
Contributes ZMW 200/week to community savings for 3 years
Mobile Money Consistency
Regular transactions show ZMW 4,500/month income
The Result
Microinsurance provider offered health coverage at standard rates (ZMW 50/month vs ZMW 150 quoted before). Asali and her family are now protected.
These are just a few examples. TumiTrust provides trust intelligence across 10 specialized trust contexts to empower millions of Africans.
Start Building Your TumiTrust Score
Calculate Your
Potential Trust Score
See how your trust network and achievements translate into opportunities
Build Your Profile
What You Can Access
Free • Takes 2 minutes • No credit card required
Got Questions? We've Got Answers
Everything you need to know about TumiTrust
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