Trust Infrastructure
Identity, credit and reputation answer three different questions.
Institutions already run identity checks and pull credit reports before making a decision. Both are useful. Neither answers the question that actually predicts risk: how has this person or business behaved when no one was checking?
Identity Verification
"Is this person who they claim to be?"
- Input
- A government-issued ID, a live selfie, a phone number or an email address.
- Output
- A yes/no confirmation of identity, established once at onboarding.
- Blind spot
- Confirms identity, not conduct. A verified identity says nothing about how someone has actually treated other people or businesses.
Credit Scoring
"Does this person repay what they borrow?"
- Input
- Loan repayment history, credit utilization, account age — reported by lenders.
- Output
- A numeric score summarizing financial obligation history.
- Blind spot
- Only covers formal credit relationships. It has nothing to say about a landlord dispute, a fraudulent sale, a workplace conflict, or a broken business promise.
Reputation Records
"How has this person or business actually behaved?"
- Input
- Evidence-based reports filed by identity-verified reporters — screenshots, receipts, video, witness statements.
- Output
- A structured, permanent, appealable record with a live trust score.
- Blind spot
- Requires a critical mass of reporting activity to be comprehensive — the same limitation every evidence-based system has.
The three aren't competing — they're layered.
The credit bureau model proved that formal financial history could be turned into structured, queryable, enterprise-ready infrastructure. RRSource applies the same discipline to behavioral history that credit and identity checks were never designed to capture.