Trust isn't a credit score. It's a streak.
Trust XP is Emet's alternative to credit scores — a streak-based record of reliability that unlocks real protection and perks. Learn how tiers, XP, and unlocks fit together.
Trust isn't a credit score. It's a streak.
Every reliable month lifts your tier. Every tier unlocks something real — protection when you need it, perks when you don't.
- 1-day grace period
- 0.5% cashback
- Streak tracking
- 3-day grace period
- 1.5% cashback
- Streak freeze (1x)
- 5-day grace period
- 2.5% cashback
- Split payment unlock
- Fee reduction -50%
- Emergency protection fund
- Premium Montreal partner perks
- Bonus XP multipliers
- Priority French + English support
Unlocks waiting in your trail
6 of 14 visibleFour tiers, fourteen unlocks
From Bronze Tenant to Anchor Tier, each level opens new tools. You always see what's next and how many XP you need to get there.
- Bronze (0–2,500 XP): streak tracking and a 1-day grace period
- Silver (2,500–7,500 XP): 3-day grace, 1.5% cashback, one streak freeze
- Gold (7,500–15,000 XP): 5-day grace, 2.5% cashback, split pay, fee reduction
- Anchor (15,000+ XP): emergency fund access and premium Montreal perks
Earn XP by showing up
Trust XP grows when you pay rent through Emet on time. The system is designed to reward months of consistency, not one-off hero payments.
- On-time rent is the primary XP source each month
- Streak bonuses accelerate progress after 3, 6, and 12 months
- Optional actions (profile completion, referrals) add smaller XP boosts
- XP never expires — your history compounds over years, not weeks
Your trust never drops — only your velocity changes
Using protection rewards (grace periods, streak freezes) slows momentum temporarily. Your tier and XP total stay intact — safety stays affordable.
- Protection path: grace, split rent, emergency backup, payment flexibility
- Momentum path: cashback, fee reduction, partner perks, XP multipliers
- Choose intentionally each month based on what life looks like
- Full unlock trail visible in the app before you need it
Ready when you are
Reserve your founding spot for July 1, 2026. One calm update a month — no spam, no credit checks.
Join the waitlist