Circlworld — Your savings group, on the record.

On the Builder tier and above, your FRR becomes shareable. Here is how it works. You can generate three types of documents from your record: A Trust Passport is a one-page summary. Your Standing score, your contribution history at a glance, and a verification URL. Think of it as a business card for your savings discipline. Good for landlords and employers who want a quick signal. A Credibility Report is the full picture. Every circle, every contribution, every cycle, every governance action — with timestamps and verification. Good for lenders who want to see the detail behind the number. A Member Activity Record is the comprehensive audit trail. Every data point the platform holds about your participation. Good for formal applications where full disclosure is required. Each document is cryptographically signed by Circlworld. The recipient can verify it independently at circlworld.com/verify by entering the document reference. The verification confirms that the document is genuine, that the data has not been altered, and that it was generated from real platform activity. You control who sees your record. You generate the document. You share it. Nobody can access your record without your permission — not your Treasurer, not other members, not Circlworld. When you share your record with a lender, they see something no credit bureau provides: proof of consistent savings behaviour over time, verified by a platform, within a governed community. That is a signal traditional credit scoring cannot offer.

Sharing your record with institutions

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