Create your free Hontra account
How Hontra Works
From free signup to 0% interest loans and safe deals.
Hontra connects your identity, real behaviour and money movements in one trust-first layer. You create a free Trust Profile once, then use it to run 0% interest loan groups with people you know, protect payments with escrow, and trade safely in the verified marketplace – with every repayment and completed deal growing your reputation.
Activate your Trust Profile & basic verification
Start or join a 0% interest loan group
Set simple loan rules and move money inside the group
Use Hontra Escrow for work, rent or marketplace deals
Let every repayment and deal grow your Trust History
Under the Hood
How Hontra keeps 0% loans and deals safe.
Every zero-interest loan, escrow payment, or marketplace deal runs through Hontra’s trust-backed engine. It reads your verified identity, repayment behaviour, dispute history, wallet activity and past actions to calculate trust signals and protect every interaction.
Trust & Identity Layer
Hontra connects your verified identity, repayment behaviour, dispute outcomes, and wallet activity into a real Trust Score. Every repayment and completed deal updates your profile instantly, making the whole system safer for everyone.
Automated Payment Protection
For 0% loan groups and escrow deals, Hontra locks funds, schedules repayments, and releases money only when both sides confirm. AI checks patterns, messages and risk signals to prevent misuse and keep every deal fair.
Hontra Services
One social trust layer
for people, 0% loans and safe deals
Public Trust Profiles
Show verified identity, deal history,
ratings and comments in one
place —
free for private users.
0% Community Loans
Rotate interest-free loans inside your
own trusted groups. Hontra
does not
charge interest or monthly fees.
Protected Escrow Payments
Lock money until both sides confirm
the job, rental or service is
done —
Hontra only moves funds, not profit.
Verified Marketplace
Find and list offers where every
user has a visible Trust Profile and
deal
history.
Community Partner Tools
Grow your own network, invite users
and keep premium status while
your
community stays active.
Disputes & Ratings
Resolve problems with structured
disputes and transparent ratings
that stay
on every profile.
FAQ
Everything You Need to Know
About Hontra
Hontra is a social trust and 0% loan platform where people can build
a verified reputation,
give and receive interest-free loans inside trusted groups, use safe
escrow payments, and trade
inside a verified community marketplace.
You create or join a loan group with people you know. Each member
sets a limit,
and Hontra rotates loans fairly inside the group with automatic
repayment tracking.
No interest, no profit — it’s fully social and behaviour-based.
Yes. All core features — 0% loans, trust profiles, ratings,
comments, and basic escrow —
are free for private users. There are no monthly fees and no
interest charges.
Hontra is an independent project with its own brand and purpose.
However, when financial rails are needed, Hontra can use BinaxPay’s
regulated
infrastructure in the background.
Hontra = social trust and 0% loans.
BinaxPay = the financial engine when required.
Just like Google or Meta have multiple products under one ecosystem,
Hontra is part of a larger family of projects, but operates with its
own brand,
logic and community.
New social-finance ideas will also be launched as separate
Hontra-style projects,
all connected in the background.
“Hontra helped our group manage small loans without interest. Everything is tracked automatically and repayments are always fair. It feels like a community bank — but free.”
Laura / Community Loan Group Host
“I only work with clients through Hontra escrow. Their Trust Profiles show me who I’m dealing with, and my payment is released only when the job is finished.”
Mark / Service Provider
“Our student group uses Hontra for shared expenses and 0% micro-loans. Everyone’s behaviour updates their Trust Score — so the system stays fair for all.”
Amina / Student Group Leader
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.
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