Record. Prove. Check trust.
AfroCreditTrust helps you record real-life obligations, track settlements, and check trust before you transact without issuing funds or acting as a finance provider.
A shared record of trust between counterparties.
Demo profiles are fictional and safe to explore. No live SMS or external lookup is triggered here.
Built for real-world transactions
Every day, people give goods, provide services, allow settlement later, and rely on memory.
Record what was agreed
Capture the person, value, date, context, and supporting evidence.
Track what has been paid
Log full or partial settlements and keep the balance clear.
Keep proof of what happened
Build a history that does not depend on memory alone.
So trust is not based on memory. It is based on records.
Simple enough for everyday use
Create a Trust Record
Record what happened between you and another person: amount, agreement, and context.
Track Activity & Settlements
Update payments, add evidence, and keep a clear ledger of the relationship.
Build & Check Trust
See your trust profile grow, or check someone before you transact.
All actions are logged. Disputes can be raised. Corrections are tracked.
From everyday life to business
Capture obligations, proof, settlements, disputes, and trust history in one secure record.
Shop credit
Duka tabs, dealer balances, customer account books, and informal trade credit.
Rent agreements
Landlord-tenant balances, deposits, rent dates, arrears, and settlements.
Service work
Fundis, freelancers, salon work, repairs, delivery jobs, and invoices.
Chama contributions
Member contributions, payouts, penalties, group balances, and records.
School fees support
Family or community support where repayment or settlement is expected.
Utility payments
Water, power, internet, estate services, shared bills, and reimbursements.
Asset hire
Tools, boda, equipment, stock, appliances, and temporary-use items.
If value was exchanged, proof matters, and settlement is expected, create a trust record.
Your Trust Profile, built from real activity
Your trust score reflects how you actually transact, not just formal financial records.
- Completed settlements
- Timeliness
- Evidence provided
- Disputes and resolutions
- Activity across different sectors
Check before you commit
Before you extend credit, hire, rent, or partner, check the person's trust profile.
Before score details are shown
- Confirm identity
- Declare purpose
- Trigger an SMS notification
- Allow a 7-day response window
- Select the correct person when names are similar
This builds fairness and accountability for both sides.
Built with safeguards
Identity matching reduces mistaken records
All listings notify the other party via SMS
7-day window to respond or dispute
Evidence can be attached and reviewed
Disputes are visible and tracked
Individuals
Track who owes you, prove what was agreed, and build your trust reputation over time.
Start a Trust RecordOrganisations
For SACCOs, landlords, retailers, employers, and institutions managing many counterparties.
- Maintain structured records
- Monitor behavior patterns
- Reduce risk before engagement
Make trust visible
Start recording today or check a trust profile before your next transaction.