Contribution consistency40% of composite
How often you contribute on time across all your circles
0
Your Standing
Your savings record.
Built from every contribution you make and every cycle you complete. It is yours. You own it. You can share it with anyone who needs to see that you are financially reliable.
Your tier
Founding
The entry tier. Your record is just beginning — every contribution, every cycle completed, every governance vote is recorded here.
Identity not yet verified.
What your Standing unlocks
- Share your savings history with landlords as a rental reference.
- Demonstrate financial reliability to lenders, independent of your credit file.
- Show savings discipline to employers and sponsors.
- Provide evidence of financial reliability for immigration applications.
- Access higher-trust savings circles whose admission requires verified Standing.
What the Standing measures
Trustworthiness, in three dimensions.
The Standing is not a credit score. It is a record of trustworthiness inside the contexts where it matters — Members coordinating money together. Following Mayer, Davis & Schoorman (1995), trust rests on three pillars:
AbilityDo you show up?
Contribution consistency, repayment follow-through, dependable presence in cycle commitments. The competence dimension — can the circle count on you to do what you've agreed?
BenevolenceDo you look out for the circle when it matters?
Standing during hardship for others, helping with handoffs and replacements, peer endorsements that reflect care beyond contractual minimums. The care dimension — do you see your circle's interests as your own?
IntegrityDo you hold to the bylaws and the spirit of the agreement?
Governance participation, transparent handling of conflicts, accepting legitimate outcomes including ones that go against you. The principle dimension — are your actions consistent with what was agreed?
The composite breakdown below distils these pillars into four measurable factors. Read the numbers, but read them as evidence of trustworthiness inside circles, not as a rank or a verdict. The Standing never gates participation; it informs the Members and circles who consider you.
Composite
What goes into the number
Your Standing is informational only. Circlworld never uses it to block, restrict, or limit your actions. Circles you apply to join can see it; they decide whether to admit you based on their own bylaws.
Governance participation25% of composite
How often you cast votes on proposals you are eligible for
0
Repayment record20% of composite
Your loan repayment history (if applicable)
0
Peer reputation15% of composite
Endorsements from other circle members and dispute outcomes
0
Reserves
What the platform holds for you
Sample records
See what the records look like
The Registrar produces eight surfaces across four layers of custody — private to you, visible to your circle-mates, shared by your choice, verified by a recipient. See examples below.
Credibility Report
For lenders, employers, partners
A formal monthly snapshot of your record — cryptographically signed, verifiable externally, designed for third parties.