Wiremi Verify
Know who you are lending to.
Wiremi Verify turns a Credit ID into a decision you can defend. Ask for a file, the person approves it in their Wiremi account, and you see exactly what they agreed to share.
The checker enters the Credit ID and states why they are asking.
How it works
Nothing is shared without a yes.
Verify is a consent bridge, not a data broker. The file belongs to the person who built it, and every request goes to them first.
- 01
Enter a Credit ID
The person gives you their Credit ID. You pick a depth and state why you are asking.
- 02
They approve it
A request lands in their Wiremi account showing your name, your location and your purpose. It expires in 15 minutes.
- 03
You read the file
Access is scoped to what they agreed to and closes after 30 days. Nothing is resold and nothing is kept.
- 04
It is on the record
Every request is logged against your account and theirs, with the purpose you gave and the IP it came from.
Two depths
Soft or full.
A soft check answers whether to keep talking. A full check answers whether to lend.
Soft checks never affect a score. Full checks are recorded on the file, and three or more in 30 days shows as a drag.
Soft check
$0.45Full check
$1.95Who uses it
You do not need a Wiremi account to run a check.
Verify is its own service, on the web, for the people on the other side of the decision. Open an account, top up a balance, and check.
Private lenders
Price a loan against a real repayment record
Thirty-six on-time circle contributions is a stronger signal than a thin bureau file, and it is one you can actually read before you decide.
Free soft checks a month
On every account, individual or business.
Landlords
Read an applicant before you ask for six months up front
Standing, circle record and identity status, with their approval.
Community lenders
Check a member without asking them to explain themselves
The circle record is already there. They just say yes.
The console
Roles, and a log nobody can edit.
Analysts run soft checks. Full checks need an approver. Every role change, every key reveal and every retrieved file is written to an audit log that cannot be edited and is kept for seven years.
Then it dies unanswered
Then it closes on its own
Every month, on any account
Ever, to anyone
The other side
The file belongs to the person, not to us.
Every request is logged, scoped and time-limited. Subjects can see who looked, freeze their file and dispute an entry. If you are the person being checked, those are your rights and they are written down.
What the file holder is entitled toRefused automatically
About Verify
- Do I need a Wiremi account to use Verify?
- No. Verify is its own service with its own sign-up. You need a Wiremi account only if you are the person being checked, that is where the approval lands.
- Can I run a check without the person knowing?
- No, and that is the whole design. Every request goes to the file holder first, showing your name, your location and the purpose you gave. Nothing is released until they say yes.
- Does a check hurt their score?
- A soft check never affects a score. A full check is recorded on the file, and three or more full checks in 30 days shows as a drag, the same way a burst of hard enquiries reads badly anywhere else.
- What happens to the data after I read it?
- Access is scoped to what was agreed and closes after 30 days. Reports stay available to you for 30 days, then go. Nothing is resold, and nothing is kept beyond what the audit log requires.
- Is this a credit bureau?
- No. Verify shows a Wiremi Community Credit file, with the file holder’s consent. It is not a bureau report and it does not replace one. What Community Credit is.
Start checking
Twenty free soft checks a month, on every account.
Top up a balance and draw it down, or run on monthly volume tiers if you are checking at scale.