Circlworld — Your savings group, on the record.

Your Standing score is a number between 0 and 1,000 that represents your reliability on Circlworld. It is computed from five factors: Contribution compliance (40%): The percentage of your contributions confirmed on time. This is the biggest factor. Pay on time, every time, and this component grows steadily. Savings consistency (20%): How regularly you save. Contributing every week for 12 months scores higher than contributing for 3 months, stopping, and restarting. Participation tenure (15%): How long you have been active. Longer tenure = more data = higher confidence in the score. Governance participation (15%): Do you vote when votes are called? Do you engage in circle governance? Active participation signals commitment. Circle health contribution (10%): Are you in healthy circles? This measures the quality of your circle choices and your impact on circle health. Your score updates daily. It does not swing wildly — it is a rolling computation that smooths short-term fluctuations. One late payment has a small impact. A pattern of late payments has a large impact. On the Builder tier and above, your Standing becomes a shareable, cryptographically signed credential. Lenders, landlords, and employers can verify it at circlworld.com/verify.

What is a Standing score?

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