The problem, stated properly
Plenty of people here have income and no credit record. No record means no Wi-Fi contract, no phone upgrade, no car finance, and a store account that keeps saying no. The usual answer is to borrow badly and hope it counts.
Riverrr models the other route: a small monthly commitment reported to the bureau as twelve clean months, with the money handed back at the end. The design question is whether you can make that legible enough that someone actually finishes twelve months.
The rule that shaped it
An itemised slip, every month.
Most credit products hide what they charge, so this one prints a receipt: how much of the payment is the member's own savings, how much is the fee, what twelve months costs in total, and what comes back at the end. If the true cost is small, showing it plainly is the strongest thing you can say.
