Every time you save, pay on time, or invite a friend on EsusuOnline, you earn trust points. The more points you have, the higher your tier — and the bigger the savings slots you can join or create.
Every action you take — verifying your ID, joining a slot, paying on time, completing a savings cycle — automatically earns or costs you points. No forms to fill; it happens in the background.
After a savings circle ends, the people who saved with you can rate how reliable, cooperative, and honest you were. Good ratings earn you extra points; bad ones reduce them.
Share your referral link. When a friend you invited verifies their ID or completes a savings cycle, you earn bonus points — even while you sleep. If they misbehave, a small penalty applies to you too, so invite people you trust.
These happen automatically — you don't need to do anything extra. Just use the platform normally and points adjust as you go.
| Event | When it happens | Points | Impact |
|---|---|---|---|
| ID Verified (KYC) | You upload your ID and an admin approves it | +50 | Do this first — it's the fastest way to jump tiers |
| Savings Circle Completed (as Creator) | A circle you created finishes its full cycle successfully | +30 | You took responsibility and followed through — well rewarded |
| Savings Circle Completed (as Member) | A circle you joined finishes its full cycle | +20 | You stayed committed till the end |
| Paid on Time | Your monthly contribution is paid before or on the due date | +5 | Small but adds up — pay early, every time |
| Joined a Savings Circle | You sign up and are accepted into any active circle | +5 | Rewards getting started |
| Paid Late | You paid, but after the due date (still within the grace window) | −10 | You paid — but late hurts others waiting. Set reminders. |
| Cancelled Your Own Circle | You created a savings circle and shut it down before it finished | −30 | Other members were counting on you. Avoid this at all costs. |
| Failed to Pay (Default) | You missed payment even after the grace window closed | −50 | Biggest penalty. Can lead to account suspension. Never let it reach here. |
Did this person pay when they were supposed to? Could others depend on them? Simple — did they show up?
Were they easy to work with? Did they communicate if something came up? Did they support the group?
Were they straightforward and fair? No hidden agendas or drama? Did they behave the same way they promised?
Share your personal invite link. When a friend signs up and starts saving, you earn points passively — no extra work needed. But if they misbehave, a small portion comes back to you. Only invite people you trust.
| Event | Trigger | Points |
|---|---|---|
| Friend Verifies Their ID | Someone you invited uploads and gets their ID approved | +2 |
| Friend Completes a Savings Cycle | Your invited friend finishes a full savings circle from start to finish | +3 |
| Friend Defaults & Gets Banned | Your invited friend misses payments and is removed from the platform | −2 |
Your savings circle finishes — or is closed or cancelled. At this point, you can now rate the people who were in it with you.
For each person, tap 👍 or 👎 for Reliability, Teamwork, and Honesty. You can also leave a short comment.
Tap Submit. Their points update immediately. They will also rate you — and your score updates from their feedback too.
If enough points were gained or lost, both accounts may move up or down a trust level automatically.
Member since January 2025 · KYC Verified ✅
New members who upload their ID get +50 points once approved — enough to move up a trust level on your very first day. Do this before anything else.
Paying early earns you +5 points each time. If your savings circle has 10 rounds, that's +50 points just from being punctual. Paying late gives you −10 instead.
If something comes up, let your circle know early. Respectful, communicative members earn positive ratings — worth up to +15 points per person who rates you.
Every friend you invite who completes a savings cycle adds +3 points to your total. 10 active friends saving = steady points coming in without you doing anything extra.
Organisers earn +30 points when their circle completes — more than members get (+20). If you want to reach Platinum faster, start and run circles successfully.
Visit your profile to see how many points you need for the next level. Knowing this helps you plan — one more completed circle might be all it takes.