TrustPass™
Explainable reliability — not a secret scorecard
CartFlow uses TrustPass to reduce social and operational risk in group buying. Signals are versioned, contestable, and used for proportionate workflow safeguards (reminders, pay-before-order prompts). TrustPass does not make autonomous lending or credit decisions.
What we measure
Commitment completion
Did the person confirm shares and meet funding obligations on time within Living Cart cycles?
Fulfilment reliability
For suppliers: quote accuracy, fill rate, on-time delivery, and shortage handling where evidence exists.
Dispute & correction history
Open disputes, resolved corrections, and whether evidence was provided — never opaque black-box denial.
Verification depth
Phone, payment confirmation, community references, and optional KYC where the person opted in.
Boundaries
- Not a credit bureau product and not used for autonomous loan approval.
- New or low-data users are not treated as unreliable by default.
- You can request correction or human review from your dashboard.
- Private group identities and payment secrets are never shown on public TrustPass pages.
CartFlow is not a bank, payment institution, escrow provider, or lender. Contributions and settlements are processed by licensed payment service providers. Balances shown are ledger views over PSP-held or PSP-processed funds.