Each member gets a trust rating based on their payment history. No more guessing who's reliable — the numbers speak.
Every member starts at 100. Your score reflects your payment consistency — on-time payments keep it high.
The more rounds you complete with on-time payments, the stronger your score becomes. Consistency is rewarded.
Late or missed payments reduce your score. It's visible to the whole group — social accountability built in.
Chairpersons can see the group's overall commitment health at a glance. Spot problems before they grow.
Consistently on time. A pillar of the group.
Mostly reliable with minor lapses.
Some late or missed payments. Needs attention.
Frequent missed payments. Group may vote on action.
“When everyone can see the scores, people pay on time. It's not about punishment — it's about accountability.”
— Stokvel Treasurer, Khayelitsha
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