Manage Your Finances &
Solve Liquidity Issues

TruX focuses on establishing immutable trust between borrowers and their vendors, issuing smart credit, and offering control over interest rates and payment terms.


Easy to Use,
Intelligent Platform

The decentralized nature of blockchain along with our pioneering technology ensures transactions on our platform are easy, fast and highly secure.

Establish Global Creditworthiness & Reputation

TruX offers a verifiable method of comparison on businesses and financial reputation. With better reputation, trusted borrowers can get financing easier and at lower interest rates.


How does it work?

Step 1
  • A vendor provides the borrower with services or goods and the borrower has a need to defer payments due to other business expenditures.
Step 2
  • The borrower joins TruX, and after a comprehensive assessment, is generated a trust profile, with global reputation and creditworthiness.
Step 3
  • TruX also establishes the borrower's credit limit and provides them with smart credits (CR) to symbolize their borrowing power.
Step 4
  • The borrower can send these smart credits to their vendors as proof of the debt owed, and are interest accruing - providing a grace period.
Step 5
  • The borrower negotiates with their vendors on the starting interest rates and payment terms.
Step 6
  • Vendors are free to present the smart credits back to the borrower in exchange for cash currencies given a month’s notice.
Step 7
  • The borrower has the power to adjust interest rates and recall smart credits to pre-pay their debt, as needed.

Successful cash-out results in better credit rating and reputation for borrowers and can qualify them for greater borrowing power in the future. This means that even start-ups can join our platform and start building their global credit.


FintruX adjudicates every borrower on the platform, constructing a transparent trust profile which provides their creditors with a detailed understanding of their clients’ creditworthiness.

Risk Reduced

FintruX implements novel credit enhancers and provides decentralized reputation profiles, thereby allowing lenders on FintruX Network to participate in risk-reduced financing.


Using smart credits, our platform increases efficiency, reducing manual processes and improving the overall user experience.


Global Credit

FintruX constructs a transparent trust (TruX) profile for each borrower establishing global creditworthiness and reputation.

Perpetual Credit

Compounding interest and flexible terms incentivizes lenders to hold onto the smart credits, establishing a perpetual line of credit.

Risk-Reduced Financing

The lenders are protected by the platform’s four levels of credit enhancements including a credit-risk pool.

True P2P Relationships

Borrowers and lenders build stronger relationships built on trust, and third-party investors are no longer required.

Distributed Rewards

All users of the platform can earn a referral fee for inviting borrowers to join the platform.

Established Trust

Trust via blockchain, AI credit scores + credit enhancement protections.

Financial Management

Small businesses can efficiently manage their financial obligations without the burden of handling cash currencies to pay existing commitments.

Monthly Compounding Interest

The vendors (lenders) receive monthly compounded interest on the amount owed to them by the borrower.

Instant Payment

Receive payments instantly via smart credits which does not fluctuate with price and is cashable from borrower given a month’s notice.

Frictionless Lending

No imbalance of lenders and borrowers since existing creditors are turned into lenders. The loan agreement is replaced by a smart contract, ensuring the simplest architecture.

Get In Touch

Any questions or want to see a demo? Reach out to us and we’ll get back to you shortly.

  • 12 Marina Boulevard, #17-01 Marina Bay Financial Centre Tower 3, Singapore 018982
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  • 12 Marina Boulevard
    #17-01 Marina Bay
    Financial Centre Tower 3
  • Singapore 018982
Copyright © 2019 FintruX. All Rights Reserved.