creamylooks/trustrail

Trust Infrastructure for the infromal economy in nigeria. that travels with you # TrustRail **The Behavioural Trust Intelligence Network for emerging markets.** > QoreID verifies *who you are*. TrustRail proves *whether you're trustworthy*. TrustRail turns fragmented behavioural signals — bank transactions, repayment events, asset returns, identity — into **portable, explainable trust**, so any institution can safely transact with the 60%+ of Nigerians who have little or no formal credit history. This repo is a **fully functional, runnable implementation** of that product: a real scoring engine over real (synthetic) transaction data, a REST Trust Intelligence API, a shared trust network with live network effects, and a lender-facing dashboard. --- ## The strategic pivot (why this isn't "just another KYC/credit tool") The concept began life as *"identity verification + a single trust score."* The investor critique that shaped this build argued that framing is a commodity, and that the real company is much larger. This implementation bakes in those pivots: | Original idea | Pivot implemented here | |---|---| | One "trust score" | **Five explainable sub-scores** → a public Trust Index (300–900) | | Answers "can they afford it?" | Answers **"what kind of borrower is this?"** — behaviour, not just capacity | | KYC / identity vendor | **Behavioural trust *network*** — the moat is shared network effects, not data | | Overwrite the score | **Event-sourced** — behaviour appends to an immutable timeline; scores are replayable snapshots (regulator-grade auditability) | | Sell a number | **Sell a decision** — approve / review / decline + approved amount + rationale | | Regulation as the reason to buy | Regulation as an accelerator; customers buy because **they lose less money** | | Nigeria + rentals only | Horizontal trust layer: lending, BNPL, rental, insurance, landlords, SMEs, employers | Plus a **consumer flywheel** (people obsess over and protect their score, à la Credit Karma) and a **reciprocity model** (contribute events → get richer insig …