GigScore™ Methodology
The world's first income confidence score built specifically for independent workers — using verified platform data, not bank deposit guesswork.
📊 Score Range: 300–850
🔐 Consent-based per query
⚡ Real-time (<3 seconds)
🌍 19 Countries
For verifiers and middleware partners: This document explains what GigScore™ measures, how it's calculated, what data sources power it, and what your system receives when you call the GigVerify™ API. Designed for technical and compliance review.
What GigScore™ Is — and What It Isn't
GigScore™ is an income confidence score — a single, portable number (300–850) representing a verifier's confidence in an independent worker's income stability and earning capacity.
- ✅ An income signal — derived from verified, structured earning data across gig platforms and financial accounts
- ✅ Consent-permissioned — the worker explicitly authorizes each query; authorization is real-time and revocable
- ✅ Portable — the worker carries their GigScore™ inside their GigID™ credential and shares it anywhere
- ❌ Not a credit score — does not incorporate credit history, debt obligations, or payment behavior
- ❌ Not a consumer report under FCRA — consent-permissioned income verification signal (CFPB advisory opinion in progress, Q2 2026)
The Score Range
GigScore™ Range300 (lowest) → 850 (highest)
300450600700850
300–449
Emerging
<90 days or <$500/mo
450–599
Established
3–6 months consistent history
600–749
Verified
6+ months stable, multi-platform
750–850
Elite
12+ months, $3K+/mo, consistent
The 8 Score Components
GigScore™ is calculated from eight weighted components, each sourced from verified data. No component is estimated or inferred from bank deposits alone.
| Component | Weight | What It Measures | Data Sources |
|---|
| Income Magnitude | 25% | Average monthly gross income across rolling 90-day window | Plaid IncomeUber APIUpwork API |
| Income Consistency | 20% | Coefficient of variation of monthly income — low variance = high score | Plaid TransactionsPlatform payout history |
| Platform Tenure | 15% | Length of active earning history on connected platforms | Uber APIUpwork APIFiverr API |
| Platform Diversification | 12% | Number of distinct earning platforms — more = more resilient income | Connected platform count |
| Income Trend | 10% | 3-month rolling slope — growing income positively weighted | Plaid IncomePlatform earnings history |
| Activity Recency | 8% | Days since last earning event — recent activity increases score | Last payout date |
| Rating / Reputation | 5% | Weighted average platform ratings — professional quality signal | Platform ratings API |
| Identity Verification Depth | 5% | GigID™ verification level achieved (Level 1–4) | GigID LevelKYC provider |
Data Sources
🏦
Plaid Income API
Bank-side income deposits, payroll verification, 24-month history
🚗
Uber / Lyft API
Verified trip earnings, payout history, driver rating, tenure
🍔
DoorDash API
Delivery earnings, completion rate, payout history
💼
Upwork API
Contract earnings, JSS score, hourly rate history
🎨
Fiverr API
Gig revenue, completion rate, repeat client ratio
🔐
KYC Layer
Identity verification depth — Persona / Stripe Identity (Level 3–4)
Consent Architecture
Every GigScore™ computation and every GigVerify™ query requires explicit, real-time, revocable worker consent. No data is accessed or returned without an active consent token.
1
Worker initiates — taps "Share my GigID™"
2
Consent token issued — time-boxed, single-use, purpose-scoped
3
Verifier queries — token passed to GigVerify™ API
4
Audit trail — logged in The Vault, worker can revoke anytime
What Verifiers Receive — API Response
GigVerify™ returns a structured signal — not raw transaction data. Never individual transactions or raw account data.
{
"gigverify_result": {
"gigscore": 724,
"gigscore_range": "700-749",
"verification_level": "GigID-3",
"income_band": "$3,000-$4,999/month",
"income_trend": "STABLE",
"platform_count": 3,
"tenure_months": 18,
"data_sources": ["plaid_income", "uber", "upwork"],
"consent_token": "tok_xxxxxxxxxxxx",
"query_id": "qry_xxxxxxxxxxxx"
},
"worker": {
"gigid": "GID-US-00029147",
"verification_status": "VERIFIED",
"country": "US"
}
}
GigScore™ vs. Existing Methods
| Capability | Bank deposit analysis | W-2 / Tax records | GigScore™ |
|---|
| Gig worker coverage | ⚠️ Unattributed deposits | ✗ W-2 only | ✅ Purpose-built for gig |
| Platform-verified income | ✗ | ✗ | ✅ API-direct from Uber, Upwork etc. |
| Real-time | ⚠️ 24–48hr lag | ✗ Annual | ✅ <3 seconds |
| Portable credential | ✗ | ✗ | ✅ GigID™ — worker carries it anywhere |
| Consent-based | ⚠️ Blanket account access | ✗ | ✅ Per-query explicit consent |
| Multi-platform aggregation | ✗ | ✗ | ✅ Uber + Upwork + DoorDash + more |
| GDPR / CCPA compliant | ⚠️ Varies | ✗ | ✅ Built in from Day 1 |