Trusted
Community Credit
300 to 900
Being written down
Family Njangi
Contribution recorded, cycle 7 of 10
65% of the score · the heaviest source
The oldest credit system in the world already works. Nobody was writing it down.
Month 1 of 10
Fatima 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 and above savings, and we made it count for something.
In a single circle
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
The other end
Every transfer home lands with somebody who was waiting for it.
Sending money is how most people meet Wiremi. It is the first thing you do inside an account that is already keeping your record.
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 and the card, 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 wallet
Hold USDC and USDT in the same account, for money earned across borders.
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 the money you set aside and held, from your first month.
What Wiremi reads: Savings held · 10%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 · 65%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 repayment · 25%
One account
Nine things it does, and all of them keep your record.
Circles, credit, loans, cards, transfers, savings, a stablecoin wallet, an advisor and a business profile, on one verified identity. Here is each of them, with the person it was built for and the screen they would be looking at.
01 · Circles
Keep the circle you already trust. Now it counts.
Njangi, esusu, susu, tontine, paluwagan, tanda, kye. Run it on Wiremi with automatic contributions, a payout order everyone can see and an optional reserve. Every contribution that clears is written to your record.
- 3 to 100 members
- Weekly, bi weekly or monthly
- 65% of Community Credit
02 · Community Credit
A score built from promises kept, not years in one country.
Circle faithfulness, loan repayment and savings held add up to a score from 300 to 900, recomputed as you go, with every weight published. It is yours, it moves with you, and nothing is filed with a credit bureau.
- 300 to 900
- Circles 65%, loans 25%, savings 10%
- Never sold
03 · Loans
Borrow on your record. Or fund someone else on theirs.
Your band sets the ceiling on the rate you can be charged. One benefactor funds each whole loan, so a member with savings can put them to work for someone whose record has earned it.
- 3 to 24 month terms
- Rate ceiling set by band
- 1.5% processing fee
04 · Virtual cards
A card in seconds, spending straight from your wallet.
Issue a virtual card in the app, fund it from your balance and add it to Apple Pay or Google Pay. Tap to pay in store, check out online, book travel. Freeze it in one tap and see every charge the moment it lands.
- Apple Pay and Google Pay
- Tap to pay worldwide
- Freeze in one tap
05 · Send money
Money home, with the fee and arrival time on screen before you send.
Bank or mobile money, Canada to home, and Wiremi to Wiremi free and instant. The rate, the fee and when it lands are shown before you confirm, and the person on the other end feels it the same afternoon.
- Wiremi to Wiremi free
- Bank and mobile money
- Shown before you confirm
06 · Savings goals
Put money where impulse cannot reach it.
Regular goals you can dip into, Normal Block that costs 5% to close early, and Safe Lock that stays shut until it matures. Goals pay no yield; what they earn is standing, because savings held counts toward your score.
- Regular, Normal Block, Safe Lock
- Locked to a date
- Savings held is 10% of the score
07 · Stablecoin wallet
Get paid in dollars that hold their value.
A wallet for USDC and USDT, for freelancers and families who earn across borders. Dollar pegged coins only, held in your own account next to everything else you keep on Wiremi.
- USDC and USDT
- Dollar pegged only
- In the same account
08 · Ori
An advisor that reads your whole account and never touches it.
Ask what moved your score, what a second circle would cost, or whether a debit lands before your pay does. Ori reads and drafts. You decide every amount, and it never moves money.
- Explains, compares, drafts
- Never moves money
- You confirm everything
09 · Wiremi Business
A second profile for the business you already run.
Currency accounts, invoices, payment links, business cards and facilities, on the same verified identity, with a business record kept separately from your personal one.
- Invoices and payment links
- Business cards
- Separate business record
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: 300 to 900, recomputed continuously, with every weight published. Three things build it, and the largest by far is the one no other lender counts.
- Joining the weightingRentUtilitiesBusiness conduct
Tier sets the ceiling on your rate.
How the score worksCommunity Credit
742
Tier
Trusted
Rate you cannot be charged above
15.0%
Drag the marker, or use the arrow keys. A lower ceiling, earned by a steady record. Wiremi sets the rate from your tier and your record. You accept it or you decline it, and no peer benefactor can change it.
Virtual cards
A card that spends from the account already keeping your record.
Issue a card in the app, fund it from your wallet, and spend online or tap to pay with Apple Pay and Google Pay. Freeze it in one tap. Try it on the card below.
•••• •••• •••• 0937
Everyday
USD
•••• •••• •••• 4821
Fatima
USD
Freeze card
Ready to spend
Streaming plan
Declined, card frozen
Subscriptions and shopping online
Give each service its own card and a limit. If a free trial forgets to end, freeze the card and the charge does not go through.
Airport transit
$18.40 paid
Paying while you travel
Hotels, rides and tickets in dollars, paid from the wallet you already keep on Wiremi, with the charge in your activity as it happens.
Tapped with Apple Pay
$24.75 paid
Tap at the counter
Add the card to Apple Pay or Google Pay and tap your phone wherever contactless is taken, at home or abroad. Spending power comes from the balance you move onto it.
Ori
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
- Give personal investment, tax or legal advice
- Invent a number it cannot show you
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.
The member decides
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
742Tier
Trusted
Loans
Open, and you can lend$2,400 at 15.0%
With savings to spare you can also apply to become a benefactor, funding somebody else at a rate Wiremi 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 worksOut in the world
Built in Canada, taken to the rooms where it matters.
From a pitch stage in Seoul to the Most Impactful Startup award, and next, the Canadian Pavilion in Dubai. These are our own photographs.
Winner · 2026
Most Impactful Startup
Startup Growth Awards 2026
Seoul · September 2026
On the Try Everything stage, from Canada to Korea.
One of the Canadian startups at Try Everything 2026, hosted by the Seoul Metropolitan Government at DDP. We pitched Wiremi on the Global Startup Exchange stage and showed Community Credit at our booth in the North America zone.
Booth C 01, North America zone
Next · Dubai
Expand North Star, 8 to 10 December 2026.
We will be exhibiting and pitching at the Canadian Pavilion, alongside GITEX Global. Come and find us.
Start the record
The first contribution counts. So does every one after it.
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