Trust Passport Methodology

Charter Hall document Version: 1.0 (live; promoted from v0.1 draft on 2026-06-05) Status: Operational. Counsel posture confirmed by Drew 2026-06-05; counsel review is a parallel workstream Drew manages directly, not a build gate. Last updated: 5 June 2026

1. Purpose of this document

This document defines the Trust Passport — the compact audited record in the Member Activity Record family. It sits alongside the Credibility Report (the everyday credit-application record) and the Member Activity Record (the comprehensive multi-year audit). Each is intended for a different decision context; each carries the same cryptographic-verification properties.

The Trust Passport is intentionally the lightest of the three records — designed for a landlord screen, an employer soft-check, a community-organisation introduction, or any context where the verifier needs a quick, signed summary of the Member's standing on Circlworld without the depth of a Credibility Report or the breadth of a full MAR.

This document does not duplicate the Member Activity Record Methodology v1.0 (/charter-hall/member-activity-record-methodology); it inherits the shared audit chain, signature scheme, verification rail, and confidentiality discipline from that document. Trust-Passport-specific scope, pricing, and exclusions are defined here.

2. What the Trust Passport includes

(a) Standing tier and headline number — the Member's current Standing tier badge and composite number, with the methodology version that produced it.

(b) Identity verification level — the Member's current KYC level (L0 through L3) without identity-document details.

(d) Current participation snapshot — number of active Circles, role (Member / Treasurer), Circle Standing within each (without identifying the Circles themselves unless the Member elects identification).

(e) Verification-rail integration — the cryptographic signature, verification ID, and /verify/TP-* rail URL. A verifier scans or visits the URL and confirms the document on the platform's published verification surface.

The Trust Passport is one to two pages. It is designed for a decision-maker to read in under a minute and reach a high-level confidence judgement.

3. What the Trust Passport excludes

(a) Contribution-level detail — no per-Circle contribution amounts, dates, or transaction references. Members needing that detail produce a Credibility Report or MAR.

(b) Dispute history — concluded disputes appear on the MAR, never on the Trust Passport. The Trust Passport is a positive-confidence record.

(c) Governance-vote records — votes cast in Circles are confidential between the Circle's Members and the platform. The Trust Passport surfaces participation as a count band, never per-vote.

(d) Identity-document content — the Trust Passport surfaces the KYC level the Member achieved, never the document type, the document content, or the verification-provider output.

(e) Treasurer earnings — Treasurer Earnings Programme (TEP) accruals are confidential between the Treasurer (as independent contractor) and Circlworld. The Trust Passport never surfaces TEP figures.

4. Generation, pricing, and entitlement

Generation is immediate on tier-eligible accounts. The pricing matches the audited-records catalogue (lib/audited-records-catalogue.ts):

| Tier | Trust Passport | |---|---| | Free | Not available on the Free tier | | Credit Builder | £4.99 per generation | | Pro (£29/mo) | Included (unlimited, fair use) | | Business | Included (unlimited) |

The Free-tier exclusion reflects the Trust Passport's positioning as a paid-tier product. Free Members needing a record use the Credibility Report (£24.99 one-off) or upgrade to Credit Builder.

5. Regeneration, refunds, and hardship

(a) Regeneration is unlimited on Pro and Business tiers (fair-use cap on Pro). On Credit Builder, each generation is charged separately; the Member's Standing tier and snapshot data may change between generations, so each Trust Passport reflects the moment it was generated.

(b) Refunds — a generated Trust Passport that contains a verifiable error in the Standing snapshot is regenerated free of charge and the original purchase is refunded. The Member contacts support@circlworld.com with the verification ID and a description of the error.

(c) Hardship — the Trust Passport does not carry a hardship-waiver pathway because it is not an essential platform record. Members for whom the £4.99 Credit Builder fee is prohibitive can use the Credibility Report's hardship route or contact support@circlworld.com directly.

(d) Legal Proceedings — the Trust Passport is not designed for legal proceedings. Members using a record in a legal context produce a Member Activity Record (the comprehensive product); the Legal Proceedings discount applies to the MAR, not the Trust Passport.

6. Verification

Every Trust Passport carries a unique verification ID (TP-XXXXXXXX) and a public-verifier URL on the form /verify/TP-XXXXXXXX. A verifier without a Circlworld account can visit the URL and see:

(a) The Member's display handle (without surname unless the Member elected identification).

(b) The Standing tier badge.

(d) The verification status (valid / revoked / expired).

(e) The methodology version that produced the underlying Standing number, as a link to this document.

The verifier never sees the Trust Passport content itself — only the verification status. The Member chooses what to share with the verifier; the verifier confirms authenticity. This is consistent with the Member Activity Record Methodology v1.0 verification discipline.

7. Expiry and revocation

(a) Expiry — a Trust Passport is valid for 90 days from generation. After 90 days the verifier surface shows "expired" and prompts the verifier to ask for a fresh document. The Member regenerates at no cost on Pro / Business; Credit Builder pays £4.99 for a fresh generation.

(b) Revocation — the Member can revoke a generated Trust Passport at /me/records at any time. The verifier surface immediately shows "revoked".

(c) Inheritance — the verification ID and signature are preserved in the audit log permanently. Revocation marks the verification as no longer valid; it does not erase the audit record.

8. Relationship to the other audited records

(a) vs Credibility Report — the Credibility Report is the mid-weight product for everyday credit applications. Eight to ten pages, structured methodology section, recent-activity table. The Trust Passport is the lightweight pre-screen; a verifier deciding whether to ask for a Credibility Report often asks for a Trust Passport first.

(b) vs Member Activity Record — the MAR is the comprehensive multi-year audit (12 / 24 / 36 month windows). The Trust Passport is the present-tense snapshot. A Trust Passport answers "where are they today?"; a MAR answers "what is their full history?"

(c) No substitution — the three records are designed for different decisions and do not substitute for one another. A verifier needing a Credibility Report should not accept a Trust Passport in its place; a verifier needing a MAR should not accept a Credibility Report in its place. The platform does not police verifier behaviour; it produces documents fit for their stated purpose.

9. Amendments

This document is amendable through the Member-led Petitions Office process documented in the Cultural Architecture Policy. Material amendments follow the Material Change procedure in the Terms of Service clause 13. Future expansions of §2, §3, §6, and §7 to the depth of the Member Activity Record Methodology may land as v1.1 or v2.0 amendments through the same Member-led process; the current v1.0 is operational.

Last updated: 5 June 2026. Status: v1.0 live (promoted from v0.1 draft on 2026-06-05 per Drew's counsel-posture confirmation). References Member Activity Record Methodology v1.0 for shared infrastructure.