How Trust Scoring Works

Trust scoring helps owners decide lending risk. It is an activity score, not a personal judgment.

When score appears

• New users start in a neutral new tier.
• Score appears after loan activity exists (returns, timing data, and/or reviews).

Score components (0-100)

• Average rating: weighted contribution up to 40 points.
• On-time return rate: weighted contribution up to 40 points.
• Completed returns: volume contribution up to 20 points.
• Active overdue loans: penalty up to 35 points.

Tier labels

• new: no meaningful history yet.
• low: limited or weak reliability history.
• medium: generally reliable with improving consistency.
• high: strong return behavior and positive feedback.
• trusted: top reliability profile over time.

This score may be used by owners to set borrowing limits and marketplace eligibility.