> ## 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.

# Vouchmark Score

> A single number summarising how thoroughly a company has been verified.

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 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.

<Note>
  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.
</Note>

## 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

```bash theme={null}
curl https://api.vouchmark.com/v1/dashboard/vouchmark \
  -H "Authorization: Bearer $TOKEN"
```

```json Response theme={null}
{
  "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.