Two-factor completion
High-impact events such as agreement completion can require a fresh second factor from both sides before they count toward reputation.
Confirm completionMike Johnson
7391••
Identity + device challengeINTRODUCING OWE SCOREPLUS + PRO
Your word has
a track record.
OWE Score is a private reputation signal built from agreement history that has actually happened inside OWE — not from what someone types into a profile.
✓ Verified agreements✓ Two-sided confirmations✓ Fraud & anomaly review
OWE SCORELIVE
782Excellent↑ 18 this month
12completed
98%on time
$14.8kconfirmed
Live OWE profileServer-verified · updated moments ago
✓
Payment confirmedBoth parties verified
↗
Agreement completedHistory added
⌁
AI review passedNo anomaly detected
THE IDEA
A score is only useful
A score is only useful
if people can trust it.
OWE Score is designed around one rule: you should not be able to create reputation just by clicking buttons, opening fake agreements, or sending money to yourself.
01Real counterparties
History comes from agreements between separately verified people.
02Real confirmations
Funding, repayments and completion require two-sided acknowledgement.
03Real patterns
Velocity, timing and behavior are reviewed for unrealistic activity.
HOW OWE SCORE PROTECTS TRUST
Built to make
Built to make
fabrication expensive.
OWE Score is not supposed to reward volume alone. The system looks for evidence that a real agreement happened between real people over a believable period of time.
Phone quality checks
Numbers associated with disposable, virtual, high-risk, or unsupported phone services can be blocked from high-trust verification flows.
✓Mobile carrierAccepted
✓Device verifiedTrusted
×Virtual numberNot eligible
AI-assisted anomaly review
Mass contract creation, improbable payment velocity, circular counterparties, and suspicious timing patterns can be scored and routed for review.
Contract velocityReview
Counterparty diversityNormal
Payment timingNormal
Case routed to manual review
Two-sided evidence
A payment recorded by one person is not treated as confirmed history until the other person acknowledges receipt.
JJohnRecorded $200
→MMikeConfirmed received ✓
Time matters
Ten contracts created and “completed” in ten minutes should not look like ten months of successful repayment history. Score weight can respect duration and behavior.
AugAgreement funded
SepPayment 1 confirmed
OctPayment 2 confirmed
JunAgreement completed
Manual review exists
Automation should flag suspicious behavior — not silently make every final decision. High-risk cases can pause score impact until reviewed.
Trust reviewCase #1842
Score impact paused
Human review required before reputation credit is released.WHAT COULD MOVE THE SCOREA reputation built from
A reputation built from
behavior, not hype.
Exact scoring weights would be calibrated before launch, but the design principle is simple: healthy real-world agreement behavior should matter more than raw activity count.
OWE SCORE782Excellent
Confirmed on-time paymentsStrong
Completed agreementsStrong
History depthGrowing
Disputes / reversalsLow
Anomaly riskLow
OWE Score would be an OWE-specific private reputation metric. It is not a FICO score, bureau credit score, or promise of creditworthiness, and it should not be represented as one.
9:41● ◔
OWE.Complete
Paid in full 🎉
$2,000 agreement completed
OWE SCOREPLUS + PRO
782Excellent
Agreement complete → history updated+18 from confirmed on-time activity
12 completed · 98% on time · $14.8k confirmed
THE CONVERSION MOMENT
Finish an agreement.
Finish an agreement.
See your history grow.
Eligible activity can be preserved in the backend even before someone subscribes. When a free user finishes an agreement, OWE can show that successful history was recorded — and invite them to unlock their private score with Plus or Pro.
Agreement complete ✓You just added another successful agreement to your OWE history.
THE PRINCIPLE
Hard to fake.
Hard to fake.
Easy to understand.
That is what makes OWE Score valuable. Not the number by itself — the verified history underneath it.
Agreement→Both verify→Real time passes→Payments confirmed→Reputation grows
See Plus & Pro pricing →