Community Vouching System

Vouching ≠ Co-Signing

Support someone without risking your money.
Stake reputation, not cash.

The Critical Difference

This is NOT like co-signing a bank loan

Bank Co-Signing

What banks do (scary)

Legally liable for debt

You owe the money if they don't pay

Can be sued

Courts, lawyers, collections

Destroys credit score

Shows on your credit report

Wage garnishment

Money taken from paycheck

📊 Result: 95% say NO

Feyza Vouching

How we do it (safe)

NO legal liability

You don't owe money, period

Cannot be sued

No courts, no lawyers

No credit impact

Never shows on credit report

No wage garnishment

Your money stays yours

✨ Result: 60-70% say YES

Vouching = 15% of Trust Score

Important but not everything. Payment history matters more.

Trust Score Components (0-100)

Payment History- Pay on time = score goes up
40%
Completion- Finish loans successfully
25%
Community Vouches- People vouch for you
15%
Verification- ID verified
10%
Platform Tenure- Time as member
10%

Important: Vouching Doesn't Replace Everything

Vouching helps, but it's only 15% of your trust score. You still need to:

  • Make payments on time (40% of score)
  • Complete loans successfully (25% of score)
  • Work through graduated limits set by lenders

Think of vouching as a boost, not a replacement for proving yourself.

When You Vouch, You're Saying...

"I know this person and believe they'll repay"

You're making a character judgment based on your personal knowledge of them.

"I stake my reputation on their trustworthiness"

Your platform standing reflects your judgment. If they default, your trust score drops.

"I understand there are consequences if they default"

Platform reputation affected. But NO financial loss, lawsuits, or credit damage.

What You're NOT Saying

"I will pay their debt if they don't"

"I accept legal responsibility"

"You can sue me or garnish my wages"

"This affects my credit report"

If They Don't Repay (Honest Truth)

Here's exactly what happens to you as a voucher

Platform Consequences

  • •Trust score drops 50 points (e.g., 750 → 700)
  • •Can't vouch for others for 12 months
  • •Your borrowing limit reduced by 20%
  • •Profile shows you vouched for someone who defaulted

You Can Recover

After 12 months, vouching suspension lifts
Make on-time payments on your own loans to rebuild score
After 24 months of good behavior, full privileges restored

✅ What Does NOT Happen

No debt owed
No lawsuits
No wage garnishment
No credit impact
No collection calls
No asset seizure
No bankruptcy risk
No financial loss
No legal contracts

Who Should You Vouch For?

Good Candidates

  • ✓You know them well personally
  • ✓History of keeping commitments
  • ✓Stable income source
  • ✓Clear repayment plan

Red Flags

  • ✗You barely know them
  • ✗History of not repaying debts
  • ✗No stable income
  • ✗They pressure you to vouch

Ask Yourself

Would I lend them money myself? If no, don't vouch.

Do I trust their character? Not their luck, but their integrity.

Am I okay with platform consequences? 50-point drop, 12-month suspension manageable?

Ready to Vouch or Get Vouched?

Help someone you trust or build your own trust score