Circlworld — Your savings group, on the record.

Every time your Treasurer confirms your contribution, your Standing score updates. Here is what actually happens. An on-time contribution is the single best thing for your score. The compliance component (40% of your Standing) tracks the percentage of contributions confirmed on time. Pay on time every week for three months and this component climbs steadily. A late contribution still counts — but less. If your Treasurer confirms your contribution two days after the due date, it is recorded as late. One late payment in an otherwise clean record has a small impact. Two or three in a row have a larger impact. The system distinguishes between occasional human moments and patterns. A missed contribution hurts. If you do not pay and do not communicate a plan to pay, the system records a miss. One miss drops your compliance component noticeably. Repeated misses cause significant decline. But your score is not just compliance. Savings consistency (20%) rewards regular participation. Contributing every week for a year scores higher than contributing for three months, stopping, and starting again. Tenure (15%) rewards time on the platform. Governance participation (15%) rewards voting and engaging. Circle health (10%) rewards being in well-run circles. The score updates daily but changes gradually. You will not see a 100-point swing from one event. Think of it like a reputation — built slowly through consistent behaviour, not through one dramatic gesture. The most important thing: your score is yours. It follows you between circles. It cannot be adjusted by your Treasurer or anyone else. It is computed from verified data, and it belongs to you.

How contributions affect your score

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