Reputation
A score you can audit.
Klaro emits 12 signed event kinds to an on-chain VendorReputation contract. Anyone can sum them. There is no model — the score is the math.
Inputs you can audit
Twelve event kinds. All emitted on-chain.
Every event the contract accepts is listed below. Weights are signed integers set by the operator at emit time — mutable per-event but never per-vendor, so the same action moves every vendor's score equally.
- INVOICE_SETTLED+ weight
Invoice paid on time. The primary positive signal in the model.
- INVOICE_SETTLED_LATE+ weight
Paid eventually — counts, but at a reduced weight vs on-time.
- CASHOUT_RELEASED+ weight
Successful cashout. Vendor confirmed local-rail receipt.
- AGENT_JOB_CLOSED+ weight
Agent escrow job closed cleanly. ERC-8183 settlement track.
- KYB_PASSED+ weight
Business identity verified through Klaro's KYB process.
- DISPUTE_WON+ weight
Dispute decided in the vendor's favour by the operator.
- DISPUTE_OPENED− weight
Dispute filed against the vendor. Small penalty pending outcome.
- DISPUTE_LOST− weight
Dispute decided against the vendor. Larger penalty than DISPUTE_OPENED.
- REFUND_ISSUED− weight
Vendor issued a refund. Small penalty — refunds happen, but track them.
- SLASH_PENALTY− weight
Operator-applied penalty for breach. Largest single negative impact.
- KYB_REVOKED− weight
KYB withdrawn. Largest negative — usually the start of an off-ramp.
- MANUAL_ADJUST± weight
Operator-only correction with a ReasonCodes hash. Either direction; always logged with reason.
Tiers
Four bands. No surprises.
Bronze
0+
New vendors. Standard payment limits.
Silver
500+
Established. Eligible for faster cashout queue.
Gold
2,000+
Trusted. Eligible for advance-pay rails when they ship.
Platinum
10,000+
Top tier. Lowest fees and priority dispute review.
How to improve your score
Three habits that move the math.
01
Settle invoices on time
On-time settlement is the heaviest positive signal. Recurring on-time payments compound faster than one-off big invoices.
02
Defend disputes with proof
DISPUTE_WON cancels the DISPUTE_OPENED penalty and adds positive weight. Sign every delivery; ship a Stenn-Proof receipt.
03
Keep KYB current
KYB_PASSED stays additive until revoked. Re-verify documents before they expire so the score doesn't take a KYB_REVOKED hit.
On-chain
0xE9272CAF1E87ad300fe557e89351b3f6200b8d51The address above is the live ReputationManager on Arc testnet. Read the running total for any vendor by calling getReputation(vendorId). The math is open — no signal we use is hidden from the vendor or the lender.
Issue your first
invoice in 90 seconds.
No credit check. No US bank required. No waitlist. Klaro testnet is free for everyone. Sign up with Google or email, plug in your ERP, issue your first invoice in 90 seconds.
- Testnet simulation clearly labelled
- Security audit planned
- WCAG 2.1 AA target