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Your Trust Graph is the accumulated record of everything you have done in the Nigerian residential economy, tied to your Resident Identity Number (RIN). Every confirmed payment, signed lease, completed maintenance job, and resolved dispute adds a new node to the graph. Unlike a one-time reference letter or a static credit report, the Trust Graph grows continuously — and because every event in it was witnessed by a human, every signal it contains is traceable to the person who confirmed it. The Trust Graph belongs to you, not to your landlord, your agent, or Leja. No landlord can delete your payment history when you move out, and no agent can claim your verified track record as their own.

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What grows your Trust Graph

Every action confirmed through Leja Professional adds a witnessed event to your graph. The three main categories are:
Lease events capture the shape of your tenancy history. When an agent witnesses a new tenancy agreement, your graph records the start. When a lease ends cleanly — no arrears, no disputes — that clean exit is logged permanently alongside every other relevant event during that tenancy.Events that create a lease record include:
  • Tenancy started — agreement signed and witnessed
  • Lease renewed — renewal confirmed by both parties
  • Clean exit — natural lease end with no outstanding balance
  • Exit with arrears — natural end with an outstanding balance recorded
  • Early exit — you or your landlord ended the tenancy before the agreed date
  • Eviction — formal eviction process initiated or resolved
Landlords and agents can see a summary of your lease history when you give consent during a rental application. They see patterns and duration — not the names or addresses of your previous landlords.
Payment events are the most frequently updated part of your Trust Graph, and they carry the most weight in how lenders and landlords assess you.Each payment confirmation creates one of the following events:
  • On time — paid within the agreed grace period
  • Late (1–7 days) — paid after the grace period but within a week
  • Very late (8+ days) — paid significantly after the due date
  • Partial — less than the full amount was paid
  • Missed — no payment recorded past the threshold
The consistency of your payment pattern over time builds your Score tier (Bronze, Silver, Gold, or Platinum). A landlord reviewing your application sees your payment timeliness rate — for example, “94% on time across 36 months” — not individual transaction amounts.Banks and lenders can request behavioral payment signals with your explicit, purpose-specific consent. They receive derived indicators — like a housing stability score — not raw payment records.
Maintenance events record how issues in your home were raised and resolved. When you report a problem, when a job is assigned, when it is completed, and whether either party disputed the outcome — all of this is witnessed and recorded.
  • Maintenance requested — a tenant or landlord raises an issue
  • In progress — a job is assigned and started
  • Completed — both parties confirm the job is done
  • Disputed — a disagreement over completion or cost is logged
Maintenance history matters to prospective landlords: it shows that you reported problems properly and that your previous homes were maintained. It also matters if you are looking at a new property — the Property’s own record shows what kind of maintenance history that building carries.

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Who can see your Trust Graph

Access to your Trust Graph is always gated by consent. The same underlying data looks different depending on who is asking and what you have authorised.
ViewerWhat they see by defaultWhat requires your consent
Landlord reviewing your applicationVerification tier, Score tier, payment timeliness rate, average tenancy duration, exit qualityDetailed payment breakdown, previous property types, seller attestations from past landlords
Agent assisting a landlordSame as landlord, plus deal seriousness and document readiness signalsBudget signal, timeline urgency, previous agent relationship quality
Bank or lenderScore tier, payment timeliness rate, tenancy stability score, identity verification tierFinancial stress indicators, housing stability score, income band estimate — each requiring named institution, named purpose, and a time limit
Government or regulatorNothing — identity confirmation only (“yes, this RIN holder is who they claim to be”)Any further disclosure
Exact previous addresses are never shared. Previous landlord identities are never shared. Your income or bank details are never exposed — banks receive AI-derived signals, not raw data. You can revoke consent at any time from your Resident dashboard. Every query against your Trust Graph is logged, and you can see who accessed your data and when.

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Your Trust Graph is yours

When you move to a new city, your graph moves with you. When you leave an agent, your verified payment history stays attached to your RIN — not to their platform. When you upgrade your verification tier from PROVISIONAL to NIN_VERIFIED, the events already in your graph are not affected; only your ability to share them with new parties expands. The Trust Graph does not reset. It does not expire. It is the permanent record of your residential life in Nigeria.
Last modified on May 8, 2026