Now available in Early Access

Your Money.
Your Reputation.

Trustab tracks every IOU between friends, family, and colleagues — and builds a real financial reputation you can share. Available exclusively on iPhone.

Download Free See How It Works
84 / 100
Verified Scores
iOS Native
Real-Time Updates
Multi-Currency Support
WhatsApp Nudges
Trustab Ledger Screen
Trustab Trust Score Screen
Trustab Share Score Screen

Available exclusively on iPhone

Core Features

Everything you need to
manage money between people.

A personal financial layer for your real-world relationships.

Trust Score

A dynamic 0–100 score calculated daily from your repayment history. Shown as a beautiful animated arc dial with tiers from Poor to Excellent.

Verified · Updates Daily

IOU Ledger

Record debts in both directions — money owed to you and money you owe. Every entry is timestamped, linked to a contact, and tracked to settlement.

Active · Settled · Overdue

Contact Intelligence

Pick directly from your phone book. See who's already on Trustab, log an IOU with one tap, and view anyone's trust history before you lend.

Phone Synced · Instant

Smart Nudges

Automated reminders via WhatsApp or SMS. Tone is calibrated to urgency — a gentle heads-up for early overdue, firmer for long-overdue debts.

WhatsApp · SMS · Tracked

Identity & KYC

Verify your identity to unlock higher-trust features like score sharing and verified contact badges — all secured at the account level.

KYC Verified · Secure

Share Your Score

Generate a shareable score card with your stats — IOUs logged, settled on time, and on-time rate. Show your reputation before anyone asks.

Shareable · Verifiable
YOUR LEDGER 02 / 05
NET BALANCE
+₦ 47,500
Owed to You
₦ 82,000
You Owe
₦ 34,500
A
Amara Osei
Due in 3 days
+₦ 25,000
ACTIVE
K
Kwame Nkrumah
Due in 3 days
+₦ 57,000
NUDGED
Z
Zara Mensah
Due in 3 days
–₦ 34,500
YOU OWE
Your Ledger

Every IOU,
Instantly Visible.

Log who owes you and who you owe. See your net balance at a glance — no spreadsheets, no awkward conversations.

Trust Score

One Number.
Your Whole
Reputation.

Built from your real repayment behavior — every IOU logged, every debt settled, every nudge sent. It updates daily as your network activity changes.

POOR
0 – 25
FAIR
26 – 50
GOOD
51 – 75
EXCELLENT
76 – 100
84 / 100
EXCELLENT · GOOD STANDING
Contact Intelligence

Your Contacts,
Instantly Synced.

See who's already on Trustab straight from your address book. Log an IOU with one tap — no manual entry, no friction.

CONTACT PICKER 03 / 05
Search name or phone...
FAVOURITES
A
Amara
K
Kwame
Z
Zara
A
A
Amara Osei Trustab
+234 803 111 2233
★
A
Adebayo Taiwo
+234 816 556 7789
☆
K
K
Kwame Nkrumah Trustab
+233 244 100 2050
★
DEBT DETAIL 04 / 05
K
Kwame Nkrumah
On Trustab
ACTIVE
AMOUNT OWED
₦ 57,000
DUE DATE
Jun 15, 2025
ACTIVITY
+
IOU Created
Jun 1
🔔
Nudge sent via WhatsApp
Jun 10
⏱
Waiting for payment...
Today
Smart Nudges

Nudge. Settle.
Move On.

Send reminders via WhatsApp or SMS and track every step in the activity log. Tone automatically adjusts based on how overdue the debt is.

Share Your Score

The Score That
Opens Doors.

Show your reputation before anyone asks. Share your verified score card with anyone — let your track record speak for itself.

  • Verifiable via trustab.app link
  • Standing badge: Good · Excellent
    • How It Works

    Up and running
    in minutes.

    01

    Create Your Account

    Sign up securely on iOS. Your identity is verified and your profile is created instantly — no friction.

    02

    Sync Your Contacts

    Allow contact access and instantly see who's already on Trustab. Start logging IOUs from your address book.

    03

    Log Your First IOU

    Tap a contact, enter the amount, set a due date. It's live in seconds — they get notified automatically.

    04

    Send a Nudge

    Due date approaching? Nudge them on WhatsApp or SMS directly from the app, and Trustab logs it automatically.

    05

    Settle & Score Up

    Mark it settled. Your Trust Score updates. Every on-time repayment makes your financial reputation stronger.

    ₦2.4B+
    In IOUs Logged
    48K+
    Active Users
    92%
    Avg On-Time Rate
    15+
    Countries Supported
    Social Proof

    Loved by people who
    lend and borrow.

    ★★★★★

    "I lent my cousin money three times and always felt awkward chasing him. Trustab made it normal — he paid back every time because he knew his score was on the line."

    OA
    Olumide A.
    Lagos, Nigeria
    ★★★★★

    "The nudge feature alone is worth it. One WhatsApp from the app and my friend transferred within the hour. No awkward texts from me."

    KM
    Kofi M.
    Accra, Ghana
    ★★★★★

    "My Trust Score is 91 and I share it before anyone even asks if I'm reliable. It's become my financial identity. Nothing else does this."

    AT
    Amaka T.
    Abuja, Nigeria
    Free to Download

    Start Building Your
    Financial Reputation
    Today.

    Join thousands already tracking trust. Your score starts the moment you log your first IOU.

    iOS Only · iPhone
    Download on the App Store Join Waitlist

    Available exclusively on iPhone · Requires iOS 16 or later