Community Credit
Your record exists.
It has just never
been written down.
Rent. Utilities. The savings circle your family has run for generations. These are already evidence of how you handle money. Wiremi turns them into a score it lends its own money against.
Being written down
786- +6Rent · AugustVerified lease · $1,450.00
- +4Family Circle · cycle 4 of 8Contribution, on time · $75.00
- +5Circle Credit · instalment 3 of 6Repaid on schedule · $412.00
- +3Safe Lock · month 3Held, untouched · $600.00
- +2Hydro · AugustPaid before due · $96.40
45% of the score · the heaviest source
The oldest credit system in the world already works. Nobody was writing it down.
Month 1 of 10
Amara takes the pot this month.
Everyone puts in $200. One person takes $2,000. Next month it is somebody else, until all ten have had a turn and the circle starts again.
- Each contribution
- $200
- Payout
- $2,000
Payout order
Nobody signs anything, and nobody defaults, because the person you would be defaulting on is at your mother’s funeral and your daughter’s wedding. That is a stronger enforcement mechanism than a collections letter, and it has been working for two hundred years.
It is also the strongest repayment signal in the file, so we weighted it heaviest. Above loans, above rent, above savings, and we made it count for something.
Against a utility bill
Verified in real time
One practice, a hundred names. Wiremi runs rotating savings under all of them.
- NjangiCameroon
- EsusuNigeria
- SusuGhana
- TontineSenegal · France
- AjoYoruba
- ChamaKenya
- StokvelSouth Africa
- Chit fundIndia
- HuiChina
- KyeKorea
- CundinaMexico
- PasanakuBolivia
- ArisanIndonesia
- PaluwaganPhilippines
- SandukSomalia
- JamiyaEgypt · Levant
Money movement
Sending money home is not the product. It is the enrolment.
Every remittance corridor treats the transfer as the whole relationship: you pay, it lands, you are done. On Wiremi the transfer is the first thing you do inside an ecosystem that is keeping your record: the wallet, the circle, the loan, the lease, all on one identity.
Wiremi to Wiremi
Instant and free. We hold nothing back.
Canada to home
Mobile money or bank, with the fee and the arrival time shown before you commit.
Stablecoin rails
On-ramp from fiat, send stablecoins anywhere, off-ramp where you need it.
The route, shown
Stablecoin settlement where it is faster and cheaper, fiat where it is not. You see which, before you send.
The first year
You arrive with a whole financial life. The country asks for a number you do not have.
A credit file is not a measure of whether you are good with money. It is a measure of how long you have been in one place. Cross a border and it resets to nothing.
The property manager
“Do you have a credit score?”
A file that measures how long you have stayed in one country. Wiremi reads twelve months of rent, paid on time, verified from the lease.
What Wiremi reads: Rent · 20%The car dealership
“Any credit history in Canada?”
A history that resets at the border. Wiremi reads the circle you have never missed a turn in, here or at home.
What Wiremi reads: Circle faithfulness · 45%The loan officer
“Can anyone vouch for you?”
A guarantor with a file of their own. Wiremi reads the loans you repaid and the ones you funded for someone else.
What Wiremi reads: Loan conduct · 25%What we underwrite against
Community Credit is a score Wiremi lends its own money against.
Not a bureau score, and we never present it as one. It is ours: 0 to 1000, recomputed continuously, with every weight published. Four things build it, and the largest by far is the one no other lender counts.
- Joining the weightingUtilitiesTransactionsBusiness conduct
Tier sets the ceiling on your rate.
How the score worksCommunity Credit
830
Tier
Trusted
Rate you cannot be charged above
15.0%
Drag the marker, or use the arrow keys. Immediate approval as a peer benefactor. Wiremi sets the rate from your tier and your record. You accept it or you decline it, and no peer benefactor can change it.
Wiremi Verify
For businessesA score is only worth what someone will read.
Verify is the other side of the platform. Lenders, landlords and property managers ask for a file by Credit ID, the person approves it in their Wiremi account, and they read exactly what was agreed, nothing more, and nothing without a yes.
What the score is for
A score you cannot spend is a certificate.
Community Credit is not a report card. What it buys changes as it moves, so here is one account at three points in its first year, and the three things that actually change.
Community Credit
830Tier
Trusted
Circle Credit
Open, and you can lend$2,400 at 15.0%
Trusted also means immediate approval as a peer benefactor, funding somebody else at a rate you did not set.
Borrowing and lendingSavings and locks
Safe Lock held 9 monthsCannot be broken
Safe Lock cannot be opened until it matures, and the app says so before you choose it. That is the whole point of it.
Savings and locksWiremi Verify
Full checkTrusted
With your approval a lender reads the whole record, scoped to what they asked and logged where you can see it.
How a check worksOri
An advisor that reads your whole account and never touches it.
Ori explains what moved your score, what a second circle would cost you, and whether a debit lands before your pay does. It reads and it drafts. A person signs off on anything irreversible.
- Reads every account you hold, in one pass
- Explains what moved the score, and by how much
- Compares a decision before you take it
- Drafts the thing, and waits
- Move money, in any amount
- Approve anything irreversible
- Act without you confirming it
- Appear on the home screen uninvited
“A suggestion, not an instruction. You decide every amount.”
Start the record
The first contribution counts. So does the first month of rent.
Everything runs in the app. Open an account, join or start a circle, and your file begins the day the first payment clears.
Open an account