SwiftDG/vouch-signal

Trust infrastructure for Nigeria's informal economy. Every Squad transaction builds a Market Reputation Score that unlocks microloans, inventory credit, and insurance. # Vouch > Trust infrastructure for Nigeria's informal economy. Built on Squad. **Live Demo:** vouchsignal.vercel.app **Built for:** Squad Hackathon 3.0 — Challenge 02: The Intelligent Economy --- ## The Problem 40 million Nigerian informal traders are economically active but financially invisible. Mama Ngozi has sold fabric in Balogun Market for 15 years. The bank still says no — not because she isn't creditworthy, but because she has no paper trail they recognize. Traditional credit systems require tax documents, collateral, and formal bank history. The informal economy runs on trust, consistency, and community — none of which existing systems can measure. --- ## The Solution Vouch turns every Squad transaction into a financial identity. Every payment a trader receives, every repeat customer who comes back, every consistent day of sales — all of it becomes data that feeds the **Market Reputation Score** (0–1,000). When the score crosses thresholds, financial products unlock automatically. No applications. No paperwork. No loan officers. --- ## How It Works 1. **Onboard** — Register with your phone number. A Squad Virtual Account is created instantly as your permanent digital financial identity. 2. **Transact** — Customers pay you through Squad. Every payment, every recurring customer, every on-time supplier payment becomes a trust signal. 3. **Score Builds** — The Vouch Engine analyses your transaction patterns in real time, generating your Market Reputation Score — updated with every payment. 4. **Access Unlocks** — Cross the threshold and financial products unlock automatically. Microloans, inventory credit, insurance — powered by your Squad history. --- ## The Vouch Engine The scoring algorithm operates on a **30-Day Rolling Window** across four variables: | Variable | Description | Max Points | |----------|-------------|------------| | **A — Account Age** | +12 pts/month if 10+ unique transactions | 150 | | **B — Daily Consistency** | +3 pts pe …