Credibility score
A score that says you show up.
Ajo works because people keep their word. CoSayv makes keeping your word visible — and rewarding. Every member carries a live score from 50 to 850 built on verified identity, on-time payments, and completed cycles.
Credibility score
0/ 850
Starts at 50+100 instantly for KYC
Complete KYC verification+100
Complete a full cycle+20
Payment streak+10
On-time payment+5
Missed payment−20
Strike issued−100
Excellent
750+The most trusted savers. First pick for high-value circles.
Good
600–749Reliable members. Welcome in most circles.
Fair
300–599Building trust. Access to standard circles.
Limited
<300Restricted to low-contribution circles until the score recovers.