Street Credit Bureau · the white paper

Alternative Credit Ecosystems

TL;DR · 8 min full read

The idea: a community-owned credit bureau — reputation earned in the open, kept by you, shown to who you choose.
The blueprint: models and technologies for alternative credit, mapped to the engine that runs it live.
The engine: a six-pillar, 0–1000 reputation dial — street_score() — computed only from signals the platform can't fake. The full PDF sits below.

Models, Technologies & a BlueprintMcCluster Corp · nonprofit · SAM.gov registered32 pages

↓ Download the paper (PDF) Read it in the browser 🔗 Verify it on the M Chain

Traditional credit scoring leaves an estimated two billion people "unscoreable" — reliable, trusted in their communities, and invisible to banks. The paper surveys the alternative credit ecosystems answering that failure worldwide — rent and utility payment histories, cash-flow underwriting, community reputation and Grameen-style peer accountability, psychometric and behavioral signals, mobile-first data, open machine-learning scoring — and lays out the blueprint for the Street Credit Bureau: a community-owned alternative credit ecosystem that recognizes informal proof of reliability and empowers the people legacy institutions left out.

What the paper covers

Alternative data — rent, utility, phone Cash-flow underwriting Community reputation & peer lending Psychometric & gamified signals Mobile-first capture Open ML scoring engines VSLA & savings-group patterns Tokenized incentives & governance The SCB blueprint

The score, in the open — six pillars, one dial

The Street Score is a reputation index from 0 to 1000, not a FICO score in the legal sense and not a security. It reads only signals the platform witnesses firsthand and that a bot can't forge — money the payment webhook actually captured, government-grade verified identifiers, deduped plays, head-counted votes, signed deals. Six pillars, log-curved so no single number runs away, and a cold-start confidence cap so a brand-new file can't flash 900 overnight. Every line of the engine — street_score() in docs/score-schema.sql — is readable in the repo; no black box.

Pillar	Weight	What the platform witnesses (unforgeable)
Capital	30%	Real captured money for your desks — webhook-recorded deal payments, 90-day and all-time — plus your equity stake.
Craft	15%	The identifier locker: ISRC, UPC, IPI, ISNI, PRO, channel — professional identity held. Verified ones count double.
Reach	15%	Followers, deduped plays of your tracks, and the reactions your posts actually earned.
Community	15%	Plugs you brought, votes cast, posts made, collabs locked on the record — peer accountability, measured.
Consistency	10%	Showing up and staying: distinct active days over 30, and tenure on Our Street.
Co-sign	15%	Third-party trust: verified identifiers, academy lessons finished, a fulfilled gas grant, the Member Agreement signed.

The bands: 800+ Excellent · 650+ Strong · 450+ Building · 250+ Starting · else New file. The dial always names the next move — the weakest weighted pillar's own coaching, credit-builder style. The nightly tape (a pg_cron job) scores every desk and writes the snapshot the whole floor reads.

From blueprint to platform

Every prescription in the paper, mapped to the code that carries it — and an honest ledger of what waits on counsel. (Also in the repo: docs/scb-application.md and docs/street-score.md.)

The paper prescribes	The platform built	Where it lives	Status
Alternative payment & cash-flow data as the credit signal	Webhook-captured deal money, 90-day and all-time, plus equity stake — the heaviest pillar	Capital pillar · 30%	Live
Professional identity / thin-file enrichment	The identifier locker — ISRC, UPC, PRO, channel; verified counts double	Craft pillar · 15%	Live
Audience & reputation reach	Followers, deduped plays, earned reactions	Reach pillar · 15%	Live
Community reputation & peer accountability	Plugs brought, votes cast, posts, locked collabs	Community pillar · 15%	Live
Behavioral consistency (psychometric-lite)	Distinct active days over 30 + tenure on the floor	Consistency pillar · 10%	Live
Group membership & third-party co-sign	Verified IDs, academy lessons, gas grant, signed agreement	Co-sign pillar · 15%	Live
Open ML instead of proprietary black boxes	Every line of the scoring engine readable in the repo; log-curved, confidence-capped	`street_score()` · score-schema.sql	Live
Mobile-first data capture	Device-keyed activity, every surface a sensor, the offline-capable app	The PWA	Live
Transparency & coaching, not judgment	The dial shows its six pillars and weights; the weakest speaks as "the next move"	The SCB room in the Market	Live
No record ≠ bad record	Empty pillars start neutral-low, never zero; the confidence cap protects the cold start	`street_score()`	Live
A community token for incentives (the paper's SCT)	M Token / E⤴ — closed-loop platform credit, minted only by the deal-completion trigger	The token ledger	Live · closed loop
Everyday individuals as lenders (StreetFund / P2P)	The engine is ready to underwrite; lending is regulated in every US state	—	Counsel first
Token governance / value share	Closed loop holds until the attorney conversation	—	Counsel first
On-chain attestations, smart-contract credit	Not before the token questions settle	—	Deferred
Open banking / utility import (Plaid-class)	Real-world payment histories joining the pillars	—	Roadmap

The one deliberate divergence: the paper writes toward a bureau that serves lenders. The build inverts it — the person owns the record. The dial is owner-only, computed from rows the database locks to them, never sold, never reported. That inversion keeps SCB on the right side of consumer-reporting law while the lending chapter waits for counsel — and it is the brand itself: your street credit, kept by you, shown to who you choose.

What the platform adds that the paper couldn't: the paper assumes signals must be imported. The platform generates them — the marketplace witnesses deals firsthand, the play counter witnesses plays, votes witness the community's word, the record witnesses showing up. First-party witnessed data beats any scraped feed. The moat is that the bureau and the economy live in the same building — now under its own name, streetcreditbureau.com.

Read the paper

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