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Documentation Index

Fetch the complete documentation index at: https://docs.vouchmark.com/llms.txt

Use this file to discover all available pages before exploring further.

The Vouchmark Score is a 0–100 measure of verification depth. It’s deterministic — it adds up the value of each completed verification rather than guessing at risk — so the score is reproducible and defensible.

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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.
BucketSourceWeight
Company registration (CAC, with MEMART)CAC45
Company registration (CAC, without MEMART)CAC0
Business name registrationCAC45
FIRS Tax ClearanceFIRS / JTB100
JTB TINJTB50
Bank account (name match + activity)Bank statement / Monoup to 100
Utility bill (address match)Manual review80
Shareholder ID verifiedGovernment ID match60
Website / socials verifiedDomain + handle check15
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.

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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.”
SignalPoints
Balance disclosed10
Account name matches CAC name10
BVN attached to account20
Recent monthly transactions above threshold10
Total transactions above threshold20
Account is at least 6 months old10
Account is the declared primary operating account20

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Reading the score

The dashboard renders the score as a band:
RangeBandWhat it means
90–100VerifiedEvery authoritative check has cleared. Safe to transact.
60–89Partially verifiedCore registration verified, but at least one revenue-grade check (bank or tax) is missing.
30–59Self-assertedCompany exists, but no recent independent confirmation. Treat with caution.
0–29UnverifiedInsufficient evidence. Do not rely on this company’s claims.

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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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What the score is not

The Vouchmark Score is not a credit score. It does not predict default. It quantifies how much independent, authoritative evidence backs the company’s claims about itself. Combine it with your own commercial diligence.