Every “I'll pay you back” you keep, every shared bill you settle, every person who'd vouch for you — that's a financial identity. Banks just never wrote it down. Trustab NG does, turning it into a portable Trust Score lenders and landlords can verify, with your consent.
People with no formal credit history — invisible to banks despite years of real financial behaviour.
Moves through informal lending and shared payments every year — undocumented by any credit system.
Cost to start. Every IOU you log today is the foundation of the reputation you'll need tomorrow.
You're not invisible.
You're just unrecorded.
Experian and Equifax serve people with mortgages and credit cards. They ignore the 2 billion
people outside formal finance. Those people don't lack a track record — they lack a system that captures it.
Trustab NG is that system. The IOU tracker isn't the product — it's the data engine. Every IOU you keep,
every shared bill you settle, every friend who vouches for you quietly compiles into one thing your bank never
gave you: a portable financial identity that travels everywhere your bank won't.
You log who owes whom and settle up. Helpful — but it looks like a notebook.
Each settled, confirmed IOU is a data point. Together they become a Trust Score that unlocks loans, rent and trust.
A single 0–100 number built from your real behaviour — the first portable reputation designed for the informal economy. Computed on a server-verified engine, updated in real time, and queryable by lenders and landlords only with your consent.
Both apps now ship the same feature set, backed by one server-verified scoring engine. Here's what you get on day one.
Record who owes whom in seconds. The other person confirms — so a settled, confirmed IOU counts at full weight, and disputes are handled fairly.
Split recurring bills — rent, utilities, subscriptions — across members. Invite people from your contacts; they accept to join, and balances net out automatically into who-owes-whom.
Trusted contacts with their own scores can vouch for you, lifting your network-quality signal. Vouchers stake their own reputation — so vouches mean something.
For long-overdue debts owed to you, generate a shareable callout — the social accountability layer for the informal economy, used as a last resort.
A shareable trust page at trustab.app/@you — your band, verification status and settlement rate, ready to send a landlord or supplier in one tap.
Lenders and landlords request your score; you approve or decline in-app, and a disclosure log shows exactly who saw your band and when — revocable any time.
The app is free. The IOU tracker isn't the product — it's the data engine that compiles your Trust Score over time.
Log who owes whom in seconds. The other person confirms it, and when it settles on time it builds your payment reliability — the largest component at 40%.
+3 to +12 pts per settlementSplit and track recurring shared bills — rent, utilities, subscriptions. Members accept their invite, and consistent on-time payments build your track record.
+2 pts per on-time paymentWhen trusted contacts with their own Trust Scores vouch for you, it lifts your network-quality score — the social trust layer.
+0.5 to +3 pts per verified vouchConfirm your phone, then verify your BVN or NIN — checked instantly in Nigeria, and your ID number is never stored. Each step raises your score ceiling and makes the number mean more to a lender.
ceiling 60 → 80Your identity tier sets your maximum possible score. Two live tiers — phone (60) and BVN/NIN (80). Instant ID verification is live in Nigeria via BVN or NIN; more markets follow as we expand provider coverage.
Outside Nigeria — or with a passport / national ID — your details are submitted for review while we roll out instant verification in new markets. Either way, we never store your ID number: only a one-way hash and the last four digits are kept.
When your Trust Score is real — built from verified identity and behavioural data — lenders and landlords can rely on it. They only ever see a 10-point band, and only with your consent, every time.
Check the Trust Score before issuing a small loan — replacing the credit report most borrowers don't have.
Verify a prospective tenant's reliability. A band above 70 signals consistent payment behaviour without a credit reference.
Extend stock or goods on credit with confidence — check a customer's repayment band before you say yes.
Built from behaviour — not borrowed history.
Frequent missed payments. Proceed with caution.
Building a track record. Access limited.
Reliable. Eligible for loans and verification.
Top-tier credibility. Score certificate unlocked.
"I applied for a microfinance loan. The officer asked for a credit reference — I showed her my Trustab Trust Score of 86. Approved in 20 minutes. I've never had a formal bank account."
"My landlord wanted a bank reference I didn't have. I sent my Trustab score certificate instead — 79, with 18 months of on-time rent. He accepted it. I moved in the next week."
"Three regular customers vouched for me and I'd logged a year of settled IOUs. My score hit 88, and my supplier started giving me stock on credit. No bank ever offered me that."
Free to start, on iPhone and Android. Every IOU you log today is the foundation of the financial reputation you'll need tomorrow.
iOS 16+ · Android 8+ · No bank details required · NDPR & GDPR compliant