Trust is foundation of development
Platform for purchasing goods in installments without bank loans, proof of income and credit history
Problem
A model of access to economic resources based on traditional banking principles is hopelessly outdated. Billions of people around the world are deprived of opportunities to improve their quality of life and to develop their potential.
The target group
  • External, internal migrant workers
  • Migrants without formal income and credit history
  • Small and medium-sized entrepreneurs
  • Clients who do not want to use credits for religious reasons
Scoring model
INtrast uses own scoring model to analyze risks and users` ability to pay, which has been used and improved for 5 years Positive solvency assessment forecast reaches 97%.
01
Social demographic
02
behavioral
03
Technological instruments
04
Official documents
Guarantee fund:
Intrast provides a 100% guarantee that the terms of transactions will be fulfilled at the expense of the Guarantee Fund. The fund is formed by cash, receipts from income and own funds.
  • Sales growth. More customers
  • Income growth. Installment income remains with sellers, not with banks.
  • INtrast guarantees payment for the goods sold in installments.
Interaction with users is built entirely online. No proof of income and place of residence
INtrast
INTRAST
BANKS
BNPL
MARKETS
Requirements for customers
MINIMUM
HIGHT
HIGHT
HIGHT
Assortment
WIDE
WIDE
MIDDLE
MIDDLE
Income of sellers
HIGHT
MIDDLE
MIDDLE
MIDDLE
Margin
HIGHT
MIDDLE
MIDDLE
MIDDLE
Term
MIDDLE
LONG
MIDDLE
LONG