The BuildPaid Governance Credit Score is a composite assessment of an entity's creditworthiness derived entirely from governance participation data. It does not use, reference, or incorporate any traditional financial data including credit bureau reports, bank statements, financial statements, bonding capacity, or FICO scores.
All scoring inputs are generated internally by the BuildPaid governance kernel. No external financial data is ingested, purchased, or referenced.
| SOURCE | DESCRIPTION | FINANCIAL? |
|---|---|---|
| Kernel Events | SHA-256 provenance-hashed governance events | No |
| Compliance Rails | CPRAL, COI, LICENSE, SIGNATURE, NOTARIZATION, SPRAL gate results | No |
| Document Intelligence | Classification confidence, verification rate, expiration tracking | No |
| Behavioral Governance | BAGE 7-state FSM transitions, composite behavioral scores | No |
| Cross-Project History | Multi-project governance consistency, session stability | No |
| System Engagement | Voice configuration, persona calibration, NPC sessions | No |
| DIMENSION | WEIGHT | WHAT IT MEASURES |
|---|---|---|
| Provenance Depth | 20% | Depth of cryptographic audit trail, hash coverage ratio |
| Event Density | 15% | Diversity and frequency of governance events, module coverage |
| Compliance Velocity | 25% | Speed of compliance response, gate pass rate, violation remediation time |
| Cross-Project Reliability | 15% | Governance consistency across multiple projects |
| Document Health | 15% | Document verification rate, expiration status, AI extraction confidence |
| Governance Engagement | 10% | Depth of voluntary governance ecosystem participation |
Compliance Velocity carries the highest weight (25%) because empirical analysis shows that the speed at which an entity responds to compliance requirements is the strongest predictor of governance reliability and therefore creditworthiness within the governance context.
| GRADE | SCORE RANGE | GOVERNANCE IMPLICATION |
|---|---|---|
| A | 80-100 | Low governance risk. Eligible for accelerated payment rails. |
| B | 65-79 | Moderate risk. Standard processing terms. |
| C | 50-64 | Elevated risk. Manual review recommended. |
| D | 35-49 | Significant risk. Remediation required. |
| F | 0-34 | Governance failure. Capital release suspended. |
Specifically, the scoring model does not use or reference: personal credit history, zip codes or geographic data, demographic information, income or revenue data, years in business as a proxy for age, business size as a proxy for minority status, or any data sourced from credit bureaus.
The model measures only what an entity does within the governance system — how quickly they respond to compliance requirements, whether their documents are current, how deeply they engage with governance rails, and how consistently they participate across projects. These behaviors are fully within the entity's control regardless of protected characteristics.
Every credit score computation emits a CREDIT_SCORE.COMPUTED kernel event with a SHA-256 provenance hash. The score, per-dimension breakdown, and all input data are cryptographically anchored and immutable. The scoring process can be reconstructed and audited at any time by querying the kernel event ledger.
Governance events are retained indefinitely in the kernel event ledger. Credit score history is maintained for the lifetime of the entity's governance identity. Entities may request a copy of their governance data and scoring history at any time.
Every credit report generated by BuildPaid includes a methodology declaration stating: "Mesh-derived. No financial history required. Pure governance signal." This declaration is included in API responses, PDF reports, and the lender portfolio view. The scoring weights, dimension definitions, and grading scale are publicly documented.
The BuildPaid Governance Credit Score is not a consumer credit score under the Fair Credit Reporting Act (FCRA) or the Equal Credit Opportunity Act (ECOA). It is a business governance assessment tool that evaluates entity participation in a governance operating system. It does not assess consumer creditworthiness and is not used for consumer lending decisions.
For regulatory inquiries, methodology questions, or audit requests:
Sean Pace · Founder · sean@buildpaid.ai · buildpaid.ai
SP Prospective Partners LLC DBA BuildPaid · Bronx, New York