Documentation Index
Fetch the complete documentation index at: https://docs.digiflecttech.dev/llms.txt
Use this file to discover all available pages before exploring further.
Every member in Save App has a credit score — a single number between 300 and 850 that reflects how reliably they contribute, repay loans, and complete cycles. New members start at 500. The score rises when members honor their commitments and falls when they miss payments or default on loans. At the moment a new cycle starts, the payout queue is built by sorting all members from highest score to lowest, so members who have consistently paid on time receive their payout earlier in the round.
Score Range and Starting Point
| Attribute | Value |
|---|
| Minimum score | 300 |
| Maximum score | 850 |
| Starting score for new members | 500 |
PUT /api/config (min_credit_score, max_credit_score, starting_credit_score). Scores are clamped to the configured range — they can never go below the minimum or above the maximum.
How the Score is Calculated
The score is computed from the starting value by applying a weight for each recorded event in the member’s history:
score = starting_credit_score
+ (on_time_payments × weight_on_time_payment)
+ (late_payments × weight_late_payment)
+ (missed_payments × weight_missed_payment)
+ (loans_repaid_on_time × weight_loan_repaid_on_time)
+ (loans_repaid_late × weight_loan_repaid_late)
+ (loans_defaulted × weight_loan_defaulted)
+ (cycles_completed × weight_cycle_completed)
score = clamp(score, min_credit_score, max_credit_score)
Score Impact Events
| Event | Default weight | What triggers it |
|---|
| On-time contribution payment | +5 | Contribution paid before or on contribution_due_date |
| Late contribution payment | −10 | Contribution paid after contribution_due_date |
| Missed contribution payment | −20 | Contribution not paid at all for a cycle |
| Loan repaid on time | +15 | Full loan repayment before due_date |
| Loan repaid late | −5 | Full loan repayment after due_date |
| Loan defaulted | −50 | Loan marked as overdue with no repayment |
| Cycle completed | +10 | Awarded to every member when an admin closes a cycle |
Consistently repaying loans on time is the fastest way to improve your score. A single on-time loan repayment (+15) outweighs three on-time contribution payments (+15 total) in one event.
A loan default costs −50 points — the largest single negative event. At the default starting score of 500, two defaults would put a member at 400, placing them near the bottom of every payout queue until they rebuild their history.
Reliability Labels
The app also maps numeric scores to a human-readable reliability label used in the member dashboard:
| Score range | Label | Color |
|---|
| 90 and above | SAFE | Green |
| 75 – 89 | STABLE | Blue |
| 60 – 74 | MODERATE | Orange |
| Below 60 | AT RISK | Red |
API Endpoints
View your own credit score
GET /api/credit-scores/me — Any authenticated member
Returns the full credit score record for the currently logged-in user.
{
"member_id": "usr-abc123",
"member_name": "Grace Akello",
"score": 720.0,
"on_time_payments": 18,
"late_payments": 1,
"missed_payments": 0,
"loans_repaid_on_time": 2,
"loans_repaid_late": 0,
"loans_defaulted": 0,
"cycles_participated": 6,
"cycles_completed": 6,
"last_updated": "2025-06-15T08:42:11"
}
View all member rankings
GET /api/credit-scores/rankings — Admin only
Returns all active members sorted from highest score to lowest, along with their numeric rank. This is the same ordering used to build the payout queue when a new cycle starts.
[
{ "member_id": "usr-abc123", "member_name": "Grace Akello", "score": 720.0, "rank": 1 },
{ "member_id": "usr-def456", "member_name": "Peter Okello", "score": 655.0, "rank": 2 },
{ "member_id": "usr-ghi789", "member_name": "Sarah Nambi", "score": 500.0, "rank": 3 }
]
View a specific member’s credit score
GET /api/credit-scores/{member_id} — Admin only
Returns the full credit score record for any member by their ID. Useful for investigating a specific member’s history before approving a loan.
CreditScoreResponse Fields
| Field | Type | Description |
|---|
member_id | string | The member’s unique identifier |
member_name | string | The member’s display name |
score | float | Current calculated score (300–850) |
on_time_payments | integer | Count of on-time contribution payments |
late_payments | integer | Count of late contribution payments |
missed_payments | integer | Count of missed contribution payments |
loans_repaid_on_time | integer | Count of loans fully repaid before due date |
loans_repaid_late | integer | Count of loans fully repaid after due date |
loans_defaulted | integer | Count of loans that defaulted |
cycles_participated | integer | Total cycles the member has been enrolled in |
cycles_completed | integer | Cycles successfully completed (all payouts received) |
last_updated | datetime | When the score was last recalculated |
Configuring Score Weights
Admins can adjust any weight via PUT /api/config. All weight fields are optional — only the fields you include are changed.
{
"weight_on_time_payment": 5,
"weight_late_payment": -10,
"weight_missed_payment": -20,
"weight_loan_repaid_on_time": 15,
"weight_loan_repaid_late": -5,
"weight_loan_defaulted": -50,
"weight_cycle_completed": 10
}
Weight changes take effect on the next score recalculation event. Existing scores are not retroactively adjusted until a new payment, loan event, or cycle completion is recorded for a member.