Trust

Money among friends breaks in five ways. We designed for four of them.

The fifth is work we have not finished, and we would rather say so here than let you find out later.

1. 1.Custody risk — removed by design

   Beeshi never holds member money. No float, no escrow, no pooled account. There is nothing to abscond with and nothing to reconcile.

2. 2.Dispute risk — an append-only ledger

   Entries are written once and never updated. Payments move from claimed, to verification, to approved or rejected. The member claims and the admin verifies, so no single person can assert a payment into existence.

3. 3.Counterparty risk — consent before value moves

   Two guarantors, named from inside the circle, must accept before any disbursement. Consents are timestamped. Exposure is shown to the group rather than hidden.

4. 4.Identity and access risk

   Invitation links only work for phone numbers the admin listed, and they expire and can be revoked. KYC captures PAN and address proof. Biometric unlock, rotating sessions, and tokens invalidated the moment you log out.

5. 5.Delinquency escalation — not built yet

   We remind, once per member per round, and chitty loans raise due and overdue reminders. But there is no day-30, day-60, day-90 workflow. After the reminder it is the admin and the two guarantors. We record and surface exposure. We do not yet escalate.