Circlworld — Your savings group, on the record.

The Financial Reliability Record (FRR) is a verified history of your savings behaviour on Circlworld. Every contribution you make, every cycle you complete, every governance action you participate in — all recorded, timestamped, and verifiable. Your Standing score is the summary. Your FRR is the evidence. Think of it this way: a credit score tells a lender how likely you are to repay, based on borrowing history. Your FRR tells a lender how disciplined you are with money, based on savings history. These are different signals — and for people who have never borrowed (but have always saved), the FRR fills a gap that no credit bureau can. On the Builder tier and above, your FRR becomes a shareable document. You can generate a Trust Passport (a one-page summary), a full Credibility Report, or a Member Activity Record. Each is cryptographically signed and independently verifiable at circlworld.com/verify. The FRR cannot be edited, backdated, or fabricated. It is generated automatically from confirmed contributions. This is why Treasurer confirmations matter so much — every confirmation adds a verified data point to every member's permanent record.

What is the Financial Reliability Record?

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