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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.

Path to 100

What it takes to reach a full trust score

Your trust score is the weighted average of five areas. To reach 100, each area needs to be strong - there’s no single shortcut. Vouching can still nudge your headline score once you participate in the network.

  • Repayment history(40%)

    On-time and early payments, plus streaks.

    How to max it:

    Pay on time or early. Streaks of 5, 10, 25+ on-time payments add bonus points. Avoid late or missed payments.

  • Completed loans(25%)

    Successfully repaid loans vs defaults.

    How to max it:

    Complete loans without defaulting. The more you repay (e.g. 8–10+ loans, 0 defaults), the higher this component. One default hurts; many completions build it up.

  • Affordability readiness(15%)

    Income, obligations, savings, repayment estimate, and readiness exercises.

    How to max it:

    Complete the Financial Readiness Center: enter realistic numbers, explore all five scenario exercises, and keep your draft updated as your situation changes.

  • Verification level(10%)

    Phone + identity verification (KYC), optional bank connection.

    How to max it:

    Verify your phone, complete identity verification, and connect a bank account if available. Reverification may be required periodically.

  • Account consistency(10%)

    Time on platform and steady presence.

    How to max it:

    Stay active in good standing. New accounts start lower; this component grows as you build history on Feyza.

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

Feyza Simple, transparent lending between people you trust.

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