About FundTrail
Bridging the gap between traditional savings and modern mortgage requirements
Our Mission
FundTrail was founded to solve a critical problem faced by millions of people in the UK: proving the legitimacy of savings accumulated through informal Rotating Savings and Credit Associations (ROSCAs) when applying for mortgages.
Traditional banking systems often struggle to recognize informal savings mechanisms, despite their cultural significance and proven effectiveness in building financial discipline and community bonds.
We believe that everyone deserves equal access to homeownership, regardless of how they choose to save their money. Our platform transforms informal savings into bank-grade documentation that meets the highest regulatory standards.
Our Values
Inclusion
We believe financial services should be accessible to everyone, regardless of their cultural background or savings preferences.
Trust
Built on blockchain technology with robust security measures, we provide unshakeable proof of funds with complete transparency.
Community
We honor the community spirit of traditional ROSCAs while bringing them into the digital age.
Our Story
The Problem
In 2023, our founders witnessed multiple mortgage applications being rejected not due to inability to pay, but because applicants couldn't prove the source of their deposits. These were hardworking individuals who had saved diligently through traditional community savings groups.
The Solution
We realized that technology could bridge this gap. By digitizing ROSCAs and creating immutable records of contributions and payouts, we could provide the documentation that banks and regulators require.
The Vision
Today, FundTrail is the UK's first regulated platform for formal ROSCA management. We're working toward a future where cultural savings practices are fully integrated with the modern financial system.
Security & Compliance
Secure Platform
FundTrail operates with the highest standards of security and compliance. Our operations ensure your savings are protected and your documentation meets all regulatory requirements for mortgage applications.
Want to Learn More?
We're always happy to discuss how FundTrail can help you achieve your homeownership goals.