Standing score

This is the page most Job Seekers underestimate. Stay with me. When you sign up, you’re at Building. You have no history yet. The model has nothing to read. You’re starting from zero, same as everyone. But every day you work on Guild, you’re not just earning money. You’re earning evidence. Every job, every shift, every review, every withdrawal lands in the same audit ledger — a place no one can edit, not even us. Three months in, you have receipts that compound into a number a bank will actually look at. That number is your standing score. The tier it puts you in is your standing tier. Let me show you how it works.

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The four tiers

The tiers aren’t just labels — they’re how the model surfaces you across the rest of the product. A Trusted bricklayer in Modakeke ranks above an Emerging one in the same town, all else equal. An Established trader gets the bigger inventory advance offer.

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What the model reads

Our standing model is calibrated to Nigerian informal-economy patterns. It reads features from the ledger and decides which tier you sit in. Here are the signals that matter most: The model is not a credit-bureau lookup. We don’t pull your CRC or FirstCentral report. The standing score is built from inside your Guild ledger — what you’ve actually done, on this platform, that we can prove.

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What pushes you up

• Complete the jobs you start. A COMPLETED application weighs more than an APPROVED one.
• Show up on time, every shift. Attendance is the highest-signal feature.
• Get good reviews. A 5-star matters more than a 4-star. A 2-star hurts.
• Stay active. A 90-day quiet period drops your tenure-weighted score even if past activity was strong.
• Use multiple channels. A Job Seeker who only ever applies on WhatsApp ranks below one who’s used voice and web too. (Slight signal — don’t force it.)

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What pulls you down

• Ghosting after applying. Approved but didn’t show. Tier drops fast.
• No-shows mid-shift. Worse than no-show day one.
• Bad reviews. A 1-star or 2-star pulls multiple points.
• Failed direct debits. If you’ve authorised a debit (e.g., a savings rule or a loan repayment) and there’s no balance, the failed attempt is a negative signal.
• Disputes that resolve against you. Rare. But they happen.

You can always recover. The model is a 90-day rolling read — three months of consistent good behaviour erases most of a bad month.

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How you see your tier

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When a lender reads your snapshot

The whole point of standing is that it travels. A partner lender (a bank, a microfinance institution, a credit fintech) can integrate with our Partner API. When you apply for credit through them, they ask Guild for a snapshot. We surface a consent prompt in your dashboard — “X Lender is requesting your Guild standing snapshot. Approve?” You tap yes. We write a consent row. The lender hits GET /partner/v1/users/:userId/snapshot and receives a signed JSON document with your tier, your score, your signals, and a configurable window of your audit ledger (30, 60, 90, or 365 days). The lender verifies our signature. Runs their model. Approves or declines. If they approve, disbursement happens over OPay payout. Repayments run as a direct debit on the schedule you accepted. Every payment writes to your ledger. Every on-time repayment pushes your standing tier up. Every failure pulls it down. This is the loop. The harder you work, the cleaner you finish, the better you treat the credit you take — the more credit gets offered to you, on better terms.

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