Wiremi

Wiremi

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About this app

Wiremi is the Canadian financial trust platform (FINTRAC MSB #M23401666, RPAA-registered) that turns everyday financial behaviour — cultural savings, remittances, and community contributions — into a portable Global Credit Passport recognized across borders.

Built for newcomers, gig workers, and global diaspora communities, Wiremi captures the financial life you already live and transforms it into a verifiable credit identity you can take anywhere in the world.

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THE GLOBAL CREDIT PASSPORT

Your financial identity should travel as far as you do. The Wiremi Global Credit Passport is a portable, verifiable record of your financial reliability — built from every ROSCA contribution, every remittance sent home, and every commitment you honour.

▸ Portable across countries — recognized wherever you go
▸ Built from real behaviour, not legacy credit bureaus
▸ Shareable with landlords, employers, lenders, and partners
▸ Updated in real time as your behaviour grows
▸ Powered by PTAA — Wiremi's Predictive Trust-Assessment Architecture, an AI model that turns your everyday habits into a verifiable Trust Score

Traditional credit systems penalize newcomers and gig workers who don't have a Canadian or Western credit file. Wiremi fixes that. Your savings discipline, group participation, and cross-border support are proof of your reliability — and with Wiremi, they finally count.

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CULTURAL SAVINGS CYCLES (ROSCA)

For generations, communities around the world have built trust and saved together through rotating savings cycles — susu in Ghana, ajo in Nigeria, tanda in Mexico, esusu in the Yoruba diaspora, kye in Korea, hui in China. These are some of the oldest and most resilient financial systems in human history. Wiremi brings them into the digital age without losing what makes them work.

With Wiremi ROSCA Circles you can:

▸ Join or create a rotating savings group with family, friends, or community
▸ Automate contributions so no one forgets a turn
▸ See every rotation transparently — who contributed, who received, and when
▸ Rely on fraud-resistant controls that protect the whole group
▸ Track every cycle in real time
▸ Build your Global Credit Passport with every contribution you make

Every on-time ROSCA payment strengthens your Wiremi Trust Score and adds a verified signal to your Credit Passport. You're not just saving — you're proving, in real behaviour, that you can be counted on.

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REMITTANCES (Coming Soon)

For millions of people, sending money home is the most important financial thing they do every month — and it's invisible to credit systems. Wiremi is changing that.

Wiremi Remittances will let you:

▸ Send money across North America, Europe, Asia, and Africa
▸ Move funds same-day, at affordable rates
▸ Track every transfer inside your financial identity
▸ Turn every remittance into a signal on your Global Credit Passport

Supporting your family should build your future, not disappear into a fee. When you send money through Wiremi, every transfer reinforces your Trust Score and strengthens the credit identity you're building across borders.

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REGULATED & TRUSTED

Wiremi is fully FINTRAC-registered as a Money Services Business (#M23401666) and registered under the Retail Payment Activities Act (RPAA) with the Bank of Canada. Headquartered in Mississauga, Ontario, Canada.

Your data, savings, and financial behaviour are protected by bank-grade encryption and transparent compliance.

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Wiremi. Your identity. Portable. Trusted. Global.

Download Wiremi and start building the credit identity that actually reflects who you are.

Learn more at wiremi.ca