Vouchmark Score

How the score is composed

Verifications fall into weighted buckets. A company earns the bucket’s weight only when the underlying check returns “verified” against an authoritative source.

Bucket	Source	Weight
Company registration (CAC, with MEMART)	CAC	45
Company registration (CAC, without MEMART)	CAC	0
Business name registration	CAC	45
FIRS Tax Clearance	FIRS / JTB	100
JTB TIN	JTB	50
Bank account (name match + activity)	Bank statement / Mono	up to 100
Utility bill (address match)	Manual review	80
Shareholder ID verified	Government ID match	60
Website / socials verified	Domain + handle check	15

The total is capped at 100. A company that has CAC + FIRS + a verified bank account and shareholders is at the cap; anything beyond is upside.

The weights are the canonical values from the backend’s scoring engine. They can change as we add new sources — the score is versioned in the response so historical scores stay comparable.

Bank verification — graded, not boolean

Bank checks contribute up to 100 points but in increments, because “I have a bank account” tells you less than “this account is the company’s main operating account.”

Signal	Points
Balance disclosed	10
Account name matches CAC name	10
BVN attached to account	20
Recent monthly transactions above threshold	10
Total transactions above threshold	20
Account is at least 6 months old	10
Account is the declared primary operating account	20

Reading the score

The dashboard renders the score as a band:

Range	Band	What it means
90–100	Verified	Every authoritative check has cleared. Safe to transact.
60–89	Partially verified	Core registration verified, but at least one revenue-grade check (bank or tax) is missing.
30–59	Self-asserted	Company exists, but no recent independent confirmation. Treat with caution.
0–29	Unverified	Insufficient evidence. Do not rely on this company’s claims.

Pulling the score

curl https://api.vouchmark.com/v1/dashboard/vouchmark \
  -H "Authorization: Bearer $TOKEN"

Response

{
  "success": true,
  "data": {
    "companyId": "cmp_aBcD...",
    "score": 90,
    "band": "verified",
    "components": {
      "cac": 45,
      "firsTin": 100,
      "bank": 60,
      "shareholders": 60
    },
    "computedAt": "2026-05-12T09:14:00Z"
  }
}

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Core concepts

Verifications

Reference

How the score is composed

Bank verification — graded, not boolean

Reading the score

Pulling the score

What the score is not

​How the score is composed

​Bank verification — graded, not boolean

​Reading the score

​Pulling the score

​What the score is not

How the score is composed

Bank verification — graded, not boolean

Reading the score

Pulling the score

What the score is not