Credit readiness
A signal built from your own payment history that you choose to share with a lender — not a score held about you, sold about you, and used to refuse you without explanation.
Traders and small businesses who need working capital, and the lenders who cannot currently assess them.
Built, tested and switched off. It is a function of an issuer or an acquirer, so it stays off until the corresponding authorisation is recorded, or until an authorised institution operates it on the platform. Nothing here is offered to a customer meanwhile. This service will be available after the authorisation of the Banque Centrale du Congo; it is switched off by the administrator
The problem
A trader who has taken payments reliably for three years has a record of exactly that — and no way to show it to anybody. Lenders see no file and decline, not because the risk is bad but because it is unreadable.
How it works
- Your payment history on the platform produces a readiness signal.
- You see it, and what moves it.
- You choose whether to share it with a specific lender.
- The lender receives the signal you consented to share, not a file they hold about you.
What you can check
Facts about the running platform rather than adjectives. Each one is visible in the product, the API reference or the ledger.
- The signal is informational and is described as such; it is not a credit bureau score and does not pretend to be.
- It is shared only on your consent, with the party you choose, rather than sold on.
- It is built from your own activity on the platform, which you can see in your own statements.
- A lender’s access is scoped: reading a shared readiness signal is a specific permission, not general access to an account.
What it costs
Free to see and free to share. BitriPay does not sell it, and a lender’s own charges are a matter between you and them.
Questions
Is this a credit score?
No, and the distinction matters. A credit bureau score is held about you by somebody else and sold to people who ask. This is a signal from your own activity, that you see, and that you choose to share with a specific lender.
Can it be used against me?
Only if you share it. If you never do, no lender receives it. That is the difference between a signal you control and a file that exists whether you like it or not.
Will it get me a loan?
It is informational, not a decision. Lending is the lender’s decision on their own criteria. What this changes is whether you have anything to show at all — which for many people is the actual barrier.
Read next
Bank connections
Linking a bank account to pay by bank and to verify income, with consent that is explicit, scoped and revocable from inside the app rather than buried on somebody else’s site.
Identity and tiers
Tiers that let somebody start with a phone number and grow into higher limits, so verification is a ladder rather than a wall at the front door.
Settlement and statements
A settlement statement that is numbered, hashed and reproducible, showing the provider fee, the platform fee and the tax on it as separate lines rather than one net figure.