ABSTRACT :  A system and method for determining confidence scores for accounts based on peer-to-peer interactions. One or more clustering algorithms are applied to a database of peer-to-peer interactions to identify and group related peer-to-peer interactions. A classifying algorithm is applied to a group resulting from the one or more clustering algorithms that classifies each peer-to-peer interaction within the group based on one or more relationships between the peer-to-peer interactions with the group. A score is provided to each transaction in the group based at least in part on the classification. The system uses the score to change functionality of at least one of the accounts associated with one of the transactions and/or provides information regarding the trustworthiness of a user of an account.