Bank Verification Portal

GroupFlux Trust
Verification System

Instant farmer creditworthiness reports powered by M-Pesa transaction history and the GroupFlux trust score engine.

GroupFlux Trust Score Methodology

📊

Repayment History (60 pts)

The largest component — 60 points based on the ratio of repaid loans to total loans. A farmer who repays every loan scores the full 60 points.

🌱

Season Tenure (up to 30 pts)

5 points per completed growing season, capped at 30. Longer membership demonstrates commitment and establishes a reliable credit history.

🏆

Clean Record Bonus (10 pts)

10 bonus points are awarded to farmers with zero defaults ever. This rewards disciplined borrowers and incentivises timely repayment.

📱

M-Pesa Verification

All repayments are recorded with M-Pesa receipt numbers and callback payloads. Each transaction is immutably logged — no manual adjustments are possible.

What this means for lenders: A score of 80+ indicates a borrower with a strong, verified repayment track record across multiple growing seasons. Scores below 60 warrant additional due diligence before extending credit.

API Reference

Banks and microfinance institutions can query the GroupFlux Trust Score API programmatically using a standard REST call.

GET /api/verify?query={mpesa_or_id}

Example Response

{
  "found": true,
  "farmer": {
    "id": "6721abc9def01234",
    "name": "Wanjiru Kamau",
    "phone": "+254712345678",
    "mpesaNumber": "+254712345678",
    "groupName": "Kiambu Maize Cooperative",
    "groupRepaymentRate": 92,
    "trustScore": 92,
    "seasonsActive": 6,
    "totalLoans": 6,
    "repaidLoans": 6,
    "recommendation": "approve"
  }
}

Recommendation Values

Value	Score Range	Meaning
`approve`	80–100	Strong credit profile. Recommend approval.
`review`	60–79	Acceptable history. Further review recommended.
`high-risk`	0–59	High default risk. Extended due diligence required.

GroupFlux TrustVerification System