"I am because we are"
- Ubuntu Philosophy
PayRabbit
Where Community Trust Unlocks Economic Opportunity
Traditional trust scores fail 87% of Africans.
We measure what truly matters: Your community trust, your reputation, your reliability - across 10 contexts.
Average score boost in 30 days
Africans building trust
More comprehensive than FICO
What is PayRabbit?
We are NOT a lender. We are Africa's multi-context trust intelligence platform powered by Ubuntu philosophy.
"I am because we are" - We measure trust across 10 trust contexts, from lending to partnerships, rentals to employment, building a complete picture of reliability.
Trust Verifiers
Lenders, landlords, employers, insurers, merchants - verify trust across your specific context
Trust Builders
Individuals building reputation across lending, employment, rentals, partnerships, and more
Badge Issuers
Employers, landlords, insurers, merchants - issue verified badges that boost trust scores
- Employment verification
- Tenancy confirmation
- 4 verification levels
Communities
Savings groups, cooperatives, informal networks - strengthen collective trust through Ubuntu
- Community trust scoring
- Group endorsements
- Network analytics
Ubuntu Intelligence
Unlike traditional credit scoring that only measures financial history, we embrace the African philosophy of Ubuntu - "I am because we are"
Making Real Impact
Join 100,000+ Zambians already building their financial future through community trust
Live Impact Feed
LIVEActive in all 10 provinces of Zambia
Why Choose PayRabbit?
We're not a lender. We're your trust intelligence platform—helping you prove your trustworthiness to lenders, landlords, employers, and partners across Africa.
PayRabbit builds your trust profile. Lenders, insurers, and others use it to make decisions.
Traditional
Credit Bureaus
Outdated Approach
Bank account required
Excludes 60% of Africans
Formal credit history needed
Ignores community trust
7-14 days processing
Slow and outdated
Expensive fees
K50-150 per report
Urban-only coverage
Doesn't reach rural areas
Single lending score
No context flexibility
❌ OLD SYSTEM
PayRabbit
Trust Intelligence Platform
No bank account needed
Mobile money = credit data
Ubuntu community trust
Your network is your credit
Instant scoring (<1 min)
Real-time trust verification
100% FREE for Individuals
Build trust at no cost, forever
How PayRabbit Makes Money
💙 Individuals: Build trust for FREE (always)
🏢 Institutions: Pay per API query (ZMW 2-5/query)
✨ Everyone wins: Transparent, fair pricing
Works anywhere in Africa
Urban + rural coverage
10 Trust Contexts
Lending, Rental, Employment, Insurance, Merchant, Partnership & more
✨ THE FUTURE IS HERE
Social Media
Profiles
Not Built for Trust
Easy to fake
No verification layer
Not financial data
Work history ≠ trustworthiness
No endorsement weight
All endorsements equal
Global, not local
Built for different contexts
Privacy concerns
Data sold to advertisers
No financial integration
Can't access credit with it
⚠️ WRONG TOOL
How PayRabbit Works
1. You Build Trust
Get endorsements, earn badges, add mobile money data
2. We Calculate Scores
AI analyzes 10 trust contexts in real-time
3. Partners Decide
Lenders, landlords, employers use your score
PayRabbit doesn't lend money or make decisions. We provide the trust intelligence that helps others make informed choices about you. Learn more →
How We Stack Up
See how PayRabbit compares to established players in the credit scoring space
Global Players
e.g., Global credit bureaus
Established global reputation
Bank data only (excludes 60% of Africans)
7-14 days processing time
K50-150 per report
No community trust data
PayRabbit Advantage:
Mobile money integration + instant results + FREE
African Bureaus
e.g., Local credit bureaus
Local regulatory compliance
Urban-only coverage
No community endorsements
Single lending score only (vs our 10 trust contexts)
Expensive for individuals
PayRabbit Advantage:
Rural reach + 10 trust contexts + Ubuntu philosophy
Fintech Lenders
e.g., Mobile lending apps
Digital-first, mobile-friendly
Single-lender ecosystem (locked in)
Proprietary, non-portable score
No institutional badges
Limited to their own lending products
PayRabbit Advantage:
Platform agnostic + portable score + multi-lender access
Why PayRabbit Wins
While traditional bureaus focus on the banked minority and fintech lenders create walled gardens, PayRabbit is building Africa's first open, community-driven trust platform that works for everyone—from market traders to corporate executives.
Trust Intelligence in Action
"I am because we are" - Ubuntu Philosophy
Watch how trust flows through our network, empowering Africans to prove their trustworthiness to lenders, landlords, employers, and partners across 10 trust contexts
Ndanji joins PayRabbit
Starting with a base score of 300
Friends and family endorse her character
5 endorsements: +50 points → Score: 350
Employer verifies her employment badge
Institutional verification: +120 points → Score: 470
Uploads mobile money statement showing consistent income
Financial pattern analysis: +180 points → Score: 650
Community members endorse her across multiple contexts
Multi-context trust: +100 points → Score: 750 ✨
Ndanji is now loan-ready! 🎉
Score: 750/850 • Lending Trust: 780 • 15 endorsements • 3 badges
Community Powered
Your network becomes your credit history
Verified Trust
Institutional badges add credibility
Real-Time Growth
Watch your score improve instantly
Your Trust Network
In Your Pocket 🤝🏿📱
Discover connections, build trust, and unlock opportunities - all from your mobile device
10 Multi-Context Trust Scores
See your Ubuntu Score across 10 trust contexts: Lending, Rental, Employment, Insurance, Merchant Credit, Partnership, Supplier Trust, Informal Sector, Agriculture, and Remittance. Each context measures different aspects of your trustworthiness.
Discover Trust Connections
Swipe through potential connections, see mutual endorsements, and build your trust network with people who matter.
Collect Verified Badges
Request institutional verification from employers, universities, landlords, and more. Each badge instantly boosts your trust score.
Real-Time Updates
Watch your score grow instantly as you receive endorsements, earn badges, and strengthen your trust network.
Download PayRabbit Free
Available on all platforms • No credit card required
iOS
iPhone & iPad
Android
All Devices
APK Direct
For Techies 🚀
Scan with Your Phone Camera
Point your camera at any QR code below
iPhone
Play Store
Direct APK
v2.1.0
Latest Version
15MB
APK Size
4.8★
User Rating
45K+
Active Users
From Zero to 750 in 2 Minutes
Watch Sarah build her Ubuntu Score in real-time
Ubuntu Score
300
Fair
Creating Account...
Setting up your profile
Sign Up
Create your account in 30 seconds with just your phone number
Get Endorsed
Friends and family verify your trustworthiness
Upload Documents
Share mobile money statements and utility bills
Earn Badges
Complete trust-building activities and verifications
Real-World Applications
See how PayRabbit transforms trust into opportunity across Africa's diverse economy
The Challenge
Nakawala owns a hair salon in Lusaka but has no traditional credit history. Banks won't lend to her despite 5 years of successful business.
How PayRabbit Helps
Merchant Trust Score: 720/850
Based on her supplier payments and customer loyalty
Employment Badge: Verified
Her landlord confirmed 5 years of reliable rent payments
Community Endorsements: 15
Customers and suppliers trust her in business context
Mobile Money Analysis
Consistent income of ZMW 8,000/month for 2 years
The Result
With her improved PayRabbit score, lenders approved Nakawala for ZMW 20,000 at 18% APR (vs 45% from informal lenders). She expanded her salon and now employs 3 people.
The Challenge
Chimwemwe just graduated and got his first job. Landlords in Kitwe demand 6 months rent upfront due to lack of rental history.
How PayRabbit Helps
Rental Trust Score: 680/850
University accommodation paid on time for 4 years
Employment Badge: Verified
New employer confirmed ZMW 6,500/month salary
Character Endorsements: 8
University friends and family vouch for reliability
Overall Ubuntu Score: 645
Strong community ties and consistent behavior
The Result
Landlord accepted 1 month deposit + 1 month rent instead of 6 months upfront. Chimwemwe saves ZMW 26,000 and builds rental history for the future.
The Challenge
A cooperative of 25 farmers in rural Zambia needs ZMW 150,000 for irrigation equipment. No member has collateral or formal credit history.
How PayRabbit Helps
Agricultural Score: 750/850
3 years of consistent crop sales and input loan repayment
Community Leader Badge
District agricultural officer verified the group
Partnership Trust: High
Members endorse each other across multiple contexts
Collective Ubuntu Score: 710
Strong community bonds and mutual accountability
The Result
Impact investor approved ZMW 150,000 at favorable terms. First harvest increased by 40%. All 25 farmers now have employment badges and improved scores.
The Challenge
Asali sells vegetables at a market in Ndola. Insurance companies consider her "high risk" with no formal income proof and refuse coverage or charge 3x normal premiums.
How PayRabbit Helps
Insurance Risk Score: 695/850
Clean payment history for market fees and utilities
Informal Sector Badge
Market association verified 7 years of consistent trading
Savings Group Member Badge
Contributes ZMW 200/week to community savings for 3 years
Mobile Money Consistency
Regular transactions show ZMW 4,500/month income
The Result
Microinsurance provider offered health coverage at standard rates (ZMW 50/month vs ZMW 150 quoted before). Asali and her family are now protected.
These are just a few examples. PayRabbit provides trust intelligence across 10 specialized trust contexts to empower millions of Africans.
Start Building Your Ubuntu ScoreBuilt for Trust, Speed & Scale
Modern infrastructure delivering instant results, 99.9% uptime, and bank-level security.
Lightning Fast
< 1 Second Response
Get trust scores and verification results instantly. No waiting, no delays - just immediate answers when you need them.
Trust Networks
Community Powered
Visualize your community connections, trust paths, and relationships. Ubuntu philosophy brought to life through technology.
Smart Documents
AI-Powered
Upload mobile money statements, bank documents, or payslips. Our AI extracts and verifies information automatically.
Everywhere Access
Web & Mobile
Access PayRabbit from any device. Beautiful mobile apps for iOS & Android, plus responsive web dashboard.
Live Updates
Always Current
Your trust score updates in real-time as you build trust. Instant notifications for endorsements, badges, and changes.
Smart Guidance
AI-Powered Tips
Get personalized recommendations to improve your trust score. Our AI tells you exactly what to do next.
Calculate Your
Potential Trust Score 🎯
See how your trust network and achievements translate into opportunities
Build Your Profile
What You Can Access
Free • Takes 2 minutes • No credit card required
Trust Building
Milestones 🚀
The typical journey from first sign-up to unlocking major opportunities
Welcome!
Sign up and get your starting score
First Connections
Receive 3-5 endorsements from trusted contacts
First Badge
Employment badge verified by employer
Growing Network
15 endorsements, added mobile money data
Loan Ready! 🎉
Multiple badges, strong network, excellent history
✨ Opportunities Unlocked:
- • Business loans up to K50,000
- • Premium rental applications
- • Insurance discounts 15-25%
- • Partnership opportunities
Ready to start your journey?
Start Building Trust Today
Ubuntu Network
Across Africa 🌍
Connecting communities and building trust from Cape to Cairo
Network Activity
All 10 provinces active
Expanding rapidly
Growing network
Pilot phase