Cohort overview
Members in programme, active this month, joined this month, left programme.
For credit unions · employers · lenders · institutions
Bring your members onto their community-trust record.
Your members already save together — pardna, susu, esusu, ajo. Circlworld records that participation as a verifiable trust report your members own. You see how the cohort is doing, in aggregate. They keep the record, control who sees it, and bring it to you when they need credit.
Why this is the right starting point
Your institution's credibility bootstraps your members' records.
The standard partnership pattern asks lenders to accept Circlworld credentials before any member has built one. That's the wrong starting point.
This pattern inverts it. You bring your members onto Circlworld with your institutional voice behind it. Their records build from day one. After 6–12 months you can see in your dashboard that a meaningful proportion of your cohort has reached Strong Standing — and the conversation about accepting those records as part of your credit decisioning happens with a cohort whose participation you helped enable.
You don't take a leap of faith on records that don't exist yet. You watch the records build.
What you see in your dashboard
Aggregate cohort data — never an individual member.
Standing distribution
How many of your members are in each Standing tier (Founding through Pillar).
Circle participation
Members in active Circles, cycles completed, average completion rate.
Records generated
Trust Passports, Credibility Reports, Member Activity Records produced from the cohort.
What you do not see — ever.
Individual member names. Individual Standing scores. Individual contribution histories. Circle memberships. Personal data. Treasurer relationships. Dispute history.
Any cohort segment smaller than 5 members renders as <5 to your dashboard. You cannot reverse-engineer individual identity from small-cohort statistics. This is a hard rule enforced at the data layer.
If a member chooses to share their individual record with you — for a loan application, a savings product, an employment check — they do so through a separate consent flow on their account, and you receive the record they chose to share.
Partnership tiers
Three ways to partner.
Bronze
£500per year
- Directory listing
- Staff training pack
- 50 verifications per year
- Standard email support
Silver
£2,400per year
- API integration
- 500 verifications per year
- Outcome reporting
- Monthly cohort reports
- Priority email support
Gold
£2,400first year
£9,600 standard
- Founding-partner rate (Year 1)
- White-label product (when available)
- Unlimited verifications
- Full cohort dashboard
- Monthly reports + custom analytics
- Dedicated account manager
Founding-partner rate: Gold features at Silver pricing for Year 1, in exchange for aggregate outcome-data sharing and reference willingness. Year 2 onwards at standard Gold pricing. This rate is Drew's commercial decision — locked.
The journey beyond cohort
Cohort → recognition → integration.
1
Cohort dashboard
Today: your members affiliate with your cohort. You see aggregate participation as records build. Six to twelve months of cohort growth before the next conversation.
2
Record recognition
When a meaningful proportion of your cohort has reached Strong Standing, your loan officers can begin accepting Circlworld Credibility Reports and Member Activity Records as part of credit decisioning. The conversation isn't cold — you've watched the records build.
3
API integration
When verifying records by hand becomes operationally significant, the Lender API automates it. Same records; faster turnaround; same Member consent flow.
Ready to partner?
Register your organisation. Drew reviews every application in the founding phase — usually within five business days. You'll hear back from a real person, not a system response.