Trust should follow you everywhere.
Gbese ID is the TrustTech infrastructure that turns everyday obligations into a portable Trust Profile. Participating businesses make confident decisions, and your reputation grows with you — one confirmed record at a time.
Gbese IDTrust pays you back.
Being a Gbese ID member isn't just a score on a card. Every five months we back real people and businesses with funding, and every single month we put a member in the Gbese Spotlight so their customers can find them.
Member funding rounds
Every five months, we hand-pick a small group of members — individuals and businesses — and back their goals with real funding. No pitch decks. Your Trust Score, confirmed record depth and consistent on-time settlements are what qualifies you.
- ◆Open to both trade and personal members in good standing.
- ◆Selection is transparent — driven by your Trust Profile.
- ◆Funds go into growing your business or clearing key obligations.
Gbese Spotlight
Every month we feature selected member businesses across our channels — the website, our socials and SMS to the Gbese community. Real reach, real customers, at zero extra cost to you. It's our way of turning a strong Trust Score into new business.
- ◆A featured slot on the Gbese ID homepage & socials.
- ◆Introductions to nearby members looking for what you offer.
- ◆Selected from active members with a consistent Trust Score.
Selections are discretionary and based on member activity, Trust Score integrity and community standing. Not a loan offer, not a guarantee — a benefit of building trust with Gbese ID.
Four taps. No drama.
Log it
Open the chat, tap Log a debt. Pick Trade or Personal, choose who, tap an amount, pick a due date. No typing unless you need to.
They confirm
The other person gets a secure SMS with a one-tap confirm. First time? They set a 4-digit PIN — that also creates their free Trust ID.
Settle it
Handle payment the normal way. Either side taps Settled. On-time settlements build the score; overdue ones cost it.
Reputation compounds
Every confirmed record feeds a Trust Score out of 100. Every point is explainable — never a black box.
They never open an app. Just a tap on their phone.
Every obligation is a two-sided handshake. The other person receives a secure SMS with a one-tap confirm, and a gentle reminder when the agreed date arrives. No downloads, no drama.
The confirmation request
Sent the moment Mama Tunde logs the obligation. Chioma taps once — nothing counts until she does.
The gentle reminder
On the agreed day. Friendly, specific, and one tap away from marking it settled — no chasing, no awkward calls.
Open the Gbese ID chat and walk through logging, confirming and settling an obligation. It's exactly what your customers will tap through.
Explainable. Not a black box.
Every point in a Gbese Trust Score traces back to something a real person can point to. Four transparent factors, plain arithmetic, no mysterious verdicts.
A separate calculation turns proven repayments into a data-driven reference amount — reference × reliability × recency. New users start with a small starter cap. Always a reference, never a guarantee.
One menu. Two worlds. Same trust.
Mama Tunde & Chioma
A regular customer takes provisions on credit. Logged Tuesday, confirmed with a tap, settled Friday. The score follows Chioma the customer — wherever she shops next.
Emeka & Uche
Roommates split a taxi fare. Same menu, same PIN, same Trust Score engine — just tagged personal behind the scenes.
Decide with confidence — with consent.
When a vendor or lender checks a Trust Profile, the person is notified instantly and must grant access before anything is shared. Once granted, you see the score, the band, the evidence — and a suggested obligation limit for that specific person.
- ◆Every access is logged and visible to the person.
- ◆Access can be revoked at any time from their Trust Profile.
- ◆No data is shared until the person taps Approve.
- ◆Suggested limits are per-person, always explainable.
They'll see your Trust Score, record depth and a suggested limit for their offer. You can revoke access after any decision.
One flat fee. Nothing to game.
Confirmations are always free. The subscription only covers the person logging obligations.
- ✓Log and confirm personal IOUs
- ✓Live Trust Score
- ✓First log free for new accounts
- ✓Same IOU system, school labels
- ✓Log fees to many parents at once
- ✓Parents confirm for free
Straight answers.
Do I need a bank account or BVN?+
No. Your phone number is your Trust ID. BVN or NIN is only asked later, and only if you want to be referred to a lender.
What if someone logs a fake obligation against me?+
Nothing counts until you tap Confirm. If a record shouldn't exist, tap Dispute — it pauses instantly and a real person reviews within 48 hours.
How does Gbese ID reach me?+
Secure SMS to both sides — confirmations, settlements, disputes, access requests and monthly renewal. The chat widget on our site is always open too.
Can anyone just look up my Trust Profile?+
No. Any lookup triggers an SMS alert and you must grant access before anything is shared. Every access is logged, and you can revoke it anytime.
Is this like a credit bureau?+
It's simpler and more honest. Bureaus hide their math. Every point in a Gbese Trust Score is calculated from four transparent factors you can see.