Alternative to traditional Credit Scoring

Credit scores are mostly based on previous debt.

Traity's alternative form of scoring is based on personal reputation, to help people get access to any financial services by proving they are trustworthy citizens.

What we do

Traity enables global citizens to build and port their reputational information from different data sources.

When you plug Traity's Reputation Gateway to your service, you can request your users to build their reputation profile at any time in your user experience. The user will be transferred to the gateway to complete their profile. Those users can later decide to share their important reputation information with your company via API, but not the raw data, enabling trust while maintaining privacy: As an example, you would see that they had 4.9 stars on eBay in 58 transactions, but not what the user bought.

You can then use the reputation scoring of your customer to enrich your decision making.

Live Demo

Play with our widget prototype to learn how users will build their TrustScore.

Or if you want to try a real demo (you will register with your own user data), click here

Algorithms

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This is your dashboard. Here you can connect your accounts (a high quality one could give you 95 points) and you can also create your network of trust.

98
/100
low score
Learn more
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98 /100
ic_network_of_trust Created with Sketch.
79 /100

Facebook

- Active for 10 years More than 75% of the users

- 2000 social interactions

- Connected with 200 people

- 1 post every 12 days More than 85% of the users

- At least 9 very good friends


Twitter

- 600 followers

- Active for 10 years


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LinkedIn

- Connected with 300 people

- University ranked 30 in the world

- Worked in 3 different countries

- Stayed 2 years at each job

- Enjoyed 1 gap years in total


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Instagram - (Coming soon)

- Connected with 1200 people

- At least 20 very good friends

- Pictures content: gym, nature, friends


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AirBnb

- Active for 4 years

- Verified email

- Verified phone

- Rating of 4.8 out of 5


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Uber

- 40 rides

- Rating of 4.92 out of 5

- Verified phone


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Ebay

- Active for 6 years

- Rating of 5 out of 5

- 23 transactions


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Paypal

- Verified identity


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Blablacar

- Active for 4 years

- Verified phone

- Verified email

- Reviewed 2 times


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Couchsurfing

- Active for 4 years

- Rating of 4.8 out of 5


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Reddit - (Coming soon)

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Amazon

- Verified email



Interests and other keywords

SFO, California
graphic design
startup
ux/ui
photoshop
Graphic Designer
respectful
polite
clean
quick
fast
smooth

[ { "provider": "facebook", "reputation": { "social": 2.9765196445017628, "identity": 0, "transactions": 0, "properties": [ { "id": "created_at_year", "value": 2008 }, { "id": "created_at_year_percentile", "value": 75 }, { "id": "interactions", "value": 2000 }, { "id": "num_connections", "value": 200 }, { "id": "keywords", "value": [ "SFO, California" ] }, { "id": "posting_frequency", "value": 0.0816 }, { "id": "posting_frequency_percentile", "value": 85 }, { "id": "num_good_friends", "value": 9.30921052631579 } ] } }, { "provider": "twitter", "reputation": { "identity": 0, "social": 7.19024895668149, "transactions": 0, "properties": [ { "id": "followers", "value": 600 }, { "id": "created_at_year", "value": 2008 }, { "id": "h_index", "value": 5 }, { "id": "keywords", "value": [ "graphic design", "startup", "ux/ui", "photoshop", "photography", "prototype", "bikes", "rock", "rihanna", "foo fighters" ] } ] }, "updated_at": "2018-09-13T16:17:23.707Z", "created_at": "2018-09-13T16:17:13.873Z" }, { "provider": "linkedin", "reputation": { "identity": 0, "social": 2.404833716619938, "properties": [ { "id": "num_connections", "value": 300 }, { "id": "keywords", "value": [ "Graphic Designer" ] }, { "id": "university_ranking", "value": 30 }, { "id": "countries_worked", "value": 3 }, { "id": "years_per_job", "value": 2.5 }, { "id": "gap_years", "value": 1 } ], "transactions": 0 }, "updated_at": "2018-09-24T17:04:19.338Z", "created_at": "2018-09-24T17:04:14.777Z" }, { "provider": "airbnb", "reputation": { "properties": [ { "id": "created_at_year", "value": 2014 }, { "id": "verified_email", "value": true }, { "id": "verified_phone", "value": true }, { "id": "rating", "value": 4.8 }, { "id": "keywords", "value": [ "respectful", "polite", "clean" ] } ], "social": 1.4305078582619108, "identity": 1, "transactions": 0 }, "updated_at": "2018-09-27T08:05:06.369Z", "created_at": "2018-09-27T08:04:51.972Z" }, { "provider": "uber", "reputation": { "identity": 0.5, "social": 0, "transactions": 4.563970068699536, "properties": [ { "id": "num_trips", "value": 40 }, { "id": "rating", "value": 4.92 }, { "id": "verified_phone", "value": true } ] }, "updated_at": "2018-09-24T12:36:00.455Z", "created_at": "2018-09-24T12:35:57.047Z" }, { "provider": "ebay", "reputation": { "identity": 1, "social": 2.9120528239574885, "transactions": 1.6193882432872686, "properties": [ { "id": "created_at_year", "value": 2012 }, { "id": "rating", "value": 5 }, { "id": "num_transactions", "value": 23 }, { "id": "keywords", "value": [ "quick", "fast", "smooth" ] } ] }, "created_at": "2015-04-28T14:59:33Z", "updated_at": "2018-05-22T01:58:14.017Z" }, { "provider": "paypal", "reputation": { "identity": 1, "social": 0, "transactions": 3, "properties": [ { "id": "verified_id", "value": true } ] } }, { "provider": "blablacar", "status": "processed", "reputation": { "transactions": 2.3511466596084762, "social": 1.4331256608039895, "properties": [ { "value": 2014, "id": "created_at_year" }, { "value": true, "id": "verified_phone" }, { "value": true, "id": "verified_email" }, { "value": 2, "id": "reviews_count" }, { "value": 4.5, "id": "reviews_average" } ], "identity": 1 }, "updated_at": "2018-09-28T14:57:17.984Z", "created_at": "2018-09-28T14:57:05.842Z" }, { "provider": "couchsurfing", "reputation": { "properties": [ { "id": "created_at_year", "value": 2014 }, { "id": "rating", "value": 4.8 } ], "social": 1.5040773967762742, "identity": 0, "transactions": 0 }, "updated_at": "2018-09-27T10:10:04.802Z", "created_at": "2018-09-27T10:09:58.462Z" }, { "provider": "amazon", "reputation": { "properties": [ { "id": "verified_email", "value": true } ], "social": 0, "identity": 1, "transactions": 0 }, "updated_at": "2018-09-26T12:37:52.617Z", "created_at": "2018-09-26T12:37:50.149Z" } ]

Why Traity: Social Credit Score

Traity's social score is more human, and can outperform traditional scoring for different perils, particularly those with high moral hazard.

Traditional credit scores don't apply to everyone, especially migrants, students or freelancers. Give a fairer treatment to the great customers of the future with an alternative, specially suited for fintechs, startups, insurers and banks.

Learn more about our patent, the Network of Trust (US9363283B1).

Traditional insurer vs Traity AUC for differents perils

RUNS ON BLOCKCHAIN FOR CONTROL AND OWNERSHIP

Our risk scoring runs on blockchain through the Reputation Network, an open source privacy project that enables users to control and own their own data, allowing them to give permission to companies to access such data with their permission.

The Reputation Network also allows your company to write off-chain reviews about those customers, hence rewarding them for good behaviors when using your service, as it will contribute to their own risk scores, while you benefit from lower risks thanks to those improved behaviors.

Use Case: Trustbond

Traity has partnered with some of the largest insurance companies in the world to launch Trustbond. Trustbond helps people replace the rental deposit with trust. So if you are a tenant, instead of paying $2000 upfront to your landlord for the deposit, Trustbond will take care of it for a premium of around $250. This gives the tenant a lot of cashflow benefits, and protects landlord with the same $2000 amount that they need.

The whole process of Trustbond only takes Traity scores into consideration for eligibility. If you are a reputable member of Traity, you can get a Trustbond*

User Privacy

Traity allows users to share their reputational data with control and ownership.

When you share, for example, your eBay account with Traity, we analyze your data and might find that you had a star rating of 4.9 with 170 transactions of an average of $34 and with some consistent adjectives like "A++" or "great customer". When you share your Traity data with a third party, for example, a financial company, we will be sharing those exact metrics, not the raw data. This gives you the ability to show only the important data the third company needs to know (the fact that you are trustworthy), without giving away the privacy of what you might have bought or sold on eBay. We believe this is the best compromise between trust and privacy.

This allows your data to work for you. Where in the past many companies have benefited from people's data, Traity enables people to benefit from their own data, to get access to things that matter to them.

The data you share on Traity can be deleted and downloaded, and you are the only person who decides who that data is shared with. We consider this to be the golden standard of GDPR should be.

Pricing

$0.3/user + $50/month

$50 fee includes first 500 verifications
  • 15 day free trial
  • All networks
  • All algorithms
  • Network of Trust
  • Dashboard
  • Integration with blockchain's Reputation Network
  • Bespoke integrations (charged separately)
  • SLAs
  • Customer Service
  • Bespoke algorithms (charged separately)
  • Setup and Integration support

Committed-use discounts
Talk to us for access to deeper discounts when you commit to usage.


ReputationGateway will be free during its Beta release period.
We reserve the right to change the final prices before General Availability release

Developers

Starting is easy. Signup and create an app. We will guide you through the process.

Traity runs on Blockchain for further control and ownership of the consumers. You can manage your own Ethereum keys or we can manage them for you, depending on your level of confidence.