Interest on Hontra Social Credit Circles
Who We Are
A separate social finance brand – focused on 0% community money
Hontra is a standalone social finance platform for private users. We connect people who already trust each other in real life and give them tools like 0% community loan groups, Social Trust Escrow, Personal Trust Clubs and Public Trust Profiles – so they can lend, borrow, split and manage money together without interest, monthly fees or hidden charges from our side.
Like big tech groups that run many independent products under one umbrella, Hontra is one dedicated brand inside a wider banking and fintech ecosystem. Each project has its own name, website and user experience, but they share common payment rails, security standards and infrastructure in the background. Hontra stays focused on social trust, 0% community lending and safe peer-to-peer deals – while the wider ecosystem takes care of the heavy banking technology behind it.
What Hontra Offers
One social trust layer
powering many real-life money flows
0% Social Loan Circles
Interest-free group lending for families, friends and trusted communities.
Social Trust Escrow
Safe payments for rentals, services and peer-to-peer deals — released only when both sides confirm.
Personal Trust Clubs
Private community groups for shared support, contributions and internal financial rules.
Public Trust Profiles
Your reputation built on real behaviour — repayments, deals, ratings and fairness.
Verified Marketplace
A safe place to buy, sell or hire — only verified users and trusted groups.
Independent + Connected
Hontra runs as its own social finance brand, powered by shared banking rails underneath.
Our Team
Our most expert experience team member
Mackaw Hell
CE0, SAASMax
Alen Hen
CE0, SAASMax
Mike Holder
CE0, SAASMax
Arnold Human
CE0, SAASMax
Mike Holder
CE0, SAASMax
FAQ
Frequently Asked
Questions
Hontra is an independent social finance platform where private users
can run
0% loan groups, use protected escrow and build a visible trust
reputation
with people they already know in real life.
We separate our ideas into focused brands so each can do one thing
extremely
well. Hontra is fully dedicated to social trust, 0% lending between
people,
and safe P2P activity. Other projects in our group focus on classic
digital
banking, business finance or infrastructure – different names,
different
audiences, shared experience behind the scenes.
Hontra runs on a shared fintech backbone that we also use for our
other
products. Each brand has its own website, design and feature set,
but in the
background we can reuse payment rails, security standards, KYC, and
compliance tools. This lets Hontra stay simple and user-friendly
while
benefiting from a mature financial infrastructure.
Hontra is a standalone social product for private users. When
banking
functionality is needed (for example, wallet balances, cards or
regulated
payment flows), Hontra can be powered by the BinaxPay fintech engine
in the
backend. For the user, Hontra stays the main brand – BinaxPay is the
secure
financial rail that can run under the hood.
No. Hontra’s core social features – 0% loan groups, basic escrow,
trust
profiles and ratings – are designed with 0% interest and no
mandatory
monthly fee for private users. Groups decide their own rules and
limits;
Hontra provides the structure, automation and protection.
Yes. Hontra is part of a larger long-term plan: specialised brands
for
different financial needs – from private social lending to SME
banking and
infrastructure services. Each brand remains independent for users,
but they
are architected to work together if and when people or partners want
a
deeper connection between them.
0%
0€
Monthly platform fee for private users
0+
Connected social finance modules across our brands
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.
Download
