1 sift.com + CASE ST UDY How Zirtue keeps relationship- based lending honest and safe Overview Leverage personal relationships – not credit scores – to lend and borrow money Zirtue is a mobile relationship-based lending application that simplifies loans between family, friends, and trusted relationships with automatic ACH loan payments. Both parties agree to a loan repayment schedule, the payments are made automatically via the payer’s bank account, and the awkwardness of asking to be repaid becomes a thing of the past. Based in the US, Zirtue grows 60% month-over-month as they work to create a more financially inclusive world. Fraud loss dollars reduced to 1.6% of what they were prior to Sift Manual review reduced by 14-18 hours weekly Since using Sift, I can now tell at a moment’s

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