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.
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 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"
{
"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"
}
}
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. 