I'm Berkley, co-founder of Wiremi. When I moved to Canada, something hit me fast: none of my financial life came with me. No credit score, no record, no proof I could be trusted with money. I was starting from zero, like I'd never managed a dollar in my life. And I'm not the exception, I'm the rule. Around the world, hundreds of millions of people build real financial discipline through rotating savings groups: njangi, ajo, susu, tanda, hui. You contribute every month and take turns receiving the pot. It's one of the oldest and most reliable forms of financial trust there is. Not a single bank here can see it. That's what we're launching: the Wiremi Passport. It turns ROSCA participation, plus your rent, savings, and remittances, into a portable credit identity that lenders and landlords can actually read. Build it once, carry it across borders. We're FINTRAC-registered, RPAA-registered with the Bank of Canada, and live on iOS and Android. If your financial life ever reset to zero at a border, I'd love your feedback

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5mo ago

What happened to your credit when you crossed a border?

Hi everyone, Berkley here, co-founder of Wiremi.

I'd love to hear from anyone who has moved countries, whether as a newcomer, a returning citizen, or part of the diaspora.

When I moved to Canada, the thing that surprised me most wasn't the cost of living or the weather. It was realizing my entire financial history didn't come with me. Years of paying on time, saving consistently, being trusted with money, all of it invisible the moment I crossed the border. I started from zero.

So I'm curious:

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Credit history that crosses borders with you

Credit history that crosses borders with you

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What happened to your credit when you crossed a border?

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What happened to your credit when you crossed a border?