Hontra lets you run 0% social loan circles with friends and family, use protected escrow for repayments, and build a visible trust profile that follows you across every circle and community.
Completed Trusted Deals
Create a private loan group with people you trust. Borrow and lend money at 0% interest – Hontra only automates the flow, it never takes a fee.
Your profile shows verified identity, completed deals, repayments, ratings and comments — so people see who you really are before they lend or trade with you.
Pay freelancers, handymen, tutors or landlords with money held in escrow until both sides confirm the job is done – no surprises, no hidden charges.
Discover offers only from verified users. Every transaction updates both sides’ Trust Profiles to keep the marketplace clean, fair and safe for everyone.
Real people. Real money. Real protection.
Overview
Instead of likes and followers, Hontra builds your reputation from real actions: successful payments, completed deals, on-time repayments, and verified ratings. Your Trust Profile becomes something you can actually use – to borrow in a 0% circle, to get hired, to rent, to sell, or to close small daily deals with confidence.
Your Trust Profile is linked to your verified identity and your real transaction history via BinaxPay – not to fake names or throwaway accounts.
Use the same Hontra Trust Profile for your 0% interest loans, escrow deals and marketplace trades. Every repayment, completed deal and rating updates your profile automatically – the more you use Hontra, the stronger your reputation becomes.
Benefits
Hontra gives everyday people a clean way to help each other with money — using 0% interest loans, protected payments and visible reputation. From small private loans to daily jobs, rentals or buying and selling, every step is tracked so trust becomes something you can actually see.
Safer daily money moves. Lend, borrow, hire or rent with clear terms, escrow protection and a public Trust Profile — instead of guessing if someone will really pay or deliver.
0% loans, no platform fees. Set up small loans inside your own group, agree the limits and timing, and let Hontra automate repayments — with 0% interest and no monthly fee from us.
Reputation that works for you. Every on-time repayment, finished job and successful trade grows your Public Trust Profile, making it easier to be accepted for future 0% loans and deals.
Borrow. Hire. Trade. With 0% interest.
Pricing
Hontra is completely free for private users. No monthly fee, no setup cost, and no interest on loans.
For users beginning with trust profiles and small deals.
For users who want to organise and manage their own 0% loan groups.
For users who grow trusted networks and help others join.
FAQ
Updates
Every user can now activate a Public Trust Profile that shows verified identity, completed deals, on-time repayments, and ratings from other users. This gives you a portable reputation you can use in circles, escrow deals, and on the marketplace – so people see who you really are before they lend, borrow, or trade with you.
You can now create your own Hontra community loan group, invite trusted friends or family, and rotate interest-free loans between members. Limits are set inside the app, repayments are tracked automatically, and no one pays interest – the only requirement is trust and responsible behaviour inside the group.
Our new escrow flow lets you book freelancers, handymen, tutors, or local providers while your money stays protected until the work is done. Funds are locked in escrow, released only when both sides confirm completion, and every successful deal adds one more positive signal to your Trust Profile.
Hontra is an independent social-trust platform built to create real reputation, safe cooperation, and trusted interactions. Users access Public Trust Profiles, 0% Community Loan Circles, Social Trust Escrow, and a verified marketplace. All regulated financial operations — including identity verification, balances, and payment accounts — are provided through BinaxPay and its licensed banking partners. Hontra is not a bank and does not offer regulated financial services.
