IndieScore™ Signal gives lenders the three signals credit bureaus miss — income stability, platform tenure, and vocation-to-income consistency — for ~1.6 billion independent workers.
1,000 free queries · 90-day pilot · 3-page agreement · No MSA
IndieScore™ Signal Response — Lender Tier
{ "indieid": "IID-B3K71P9M", "identity": { "verified": true, "depth": "government_id_biometric" }, "income": { "band": "3000_4999", "stabilitySignal": "medium_high", "tenureMonths": 24 }, "indieScore": { "tier": "Established", "band": "51-70", "incomeConfidence": "B+" }, "lendingSignals": { "ewa_eligible": true, "personalLoan_maxBand": "5000_7500" }, "consent_verified": true }
Independent workers are the fastest-growing labour segment — yet credit bureaus score them poorly because bureau models were built for payroll income. Independent income is irregular by design, not by risk. The result: creditworthy borrowers denied or over-priced.
Variable and seasonal income is invisible to point-in-time credit pulls. We model 12 months of rolling income patterns — week-over-week variance, trend direction, and seasonal bands.
200+ independent worker categories, each with distinct income regularity profiles. SOC codes were built for employers, not the self-employed or platform-dependent.
How long has this worker been active on their platform? Verified tenure is the single strongest predictor of income continuity — and credit bureaus can't see it.
"Loss rates on independent worker cohorts run 12–18% higher than scored — not because the risk is higher, but because the scoring is wrong."
Fix the scoring. Fix the loss rate.
The Income Underwriting API
Query any worker's income stability signal, vocation category, platform tenure, and 12-month income band. Plugs into your existing credit decisioning engine.
The Distribution Engine
List your lending products — personal loans, EWA, invoice financing — directly in Mavvy's catalog. Gap Engine matches workers to your products by vocation, income, and need. 8%+ commission on every funded loan.
The AI Agent Layer
Connect your AI lending agent to 11 Mavvrixx intelligence tools via MAP. IndieScore.signal, IndieID.verify, vault.get — all via MCP 2024-11-05. $10K+/month. Annual contract.
Credit bureaus see transactions. Mavvrixx sees the whole worker.
| Signal | Credit Bureau | Mavvrixx IndieScore™ |
|---|---|---|
| Income volatility | ❌ Rent-a-time snapshot | ✅ 12-month rolling model |
| Platform tenure | ❌ Not captured | ✅ Verified platform history |
| Vocation category | ❌ SOC codes for payroll | ✅ 200+ indie categories |
| Income consistency | ❌ Not applicable | ✅ Week-over-week variance |
| IndieScore™ | ❌ Not applicable | ✅ 5-factor indie financial health |
IndieScore™ is to independent worker income data what Plaid is to banking data — the governed access layer. But unlike Plaid, Mavvrixx owns the underlying data. Plaid was acquired by Visa for $5.3B. Mavvrixx owns what Plaid never did.
3-page agreement, signed digitally. No MSA. No legal back-and-forth.
Instant credentials via the partner dashboard. Sandbox access live immediately.
Test with synthetic worker profiles. Flip to production with a live worker consent token.
Full IndieScore™ signal in production. Benchmark report unlocks at 100 queries.
1,000 Standard Signal queries at no cost. 3-page agreement. API key issued instantly.
By submitting, you'll receive a pilot agreement within 1 business day. No commitment required.
We'll send your pilot agreement within 1 business day.
See how IndieVerify™ gives lenders real-time, consent-gated income verification for independent workers — in seconds, not weeks.
