IndieScore™ by Mavvrixx.ai

The Income Confidence Score
Built for Independent Workers

FICO scores a W-2. IndieScore™ scores an Indie. Purpose-built for gig drivers, freelancers, consultants, and solopreneurs — the 1.57 billion workers the financial system forgot.

Get My IndieScore™ — Free → Who Accepts It
Note: IndieScore™ is a financial identity product by Mavvrixx.ai — a fintech credential for independent workers. Not a gaming or entertainment product.
The Problem

The system was never built for you

A DoorDash driver earning $78K gets denied a mortgage. A freelancer can't rent an apartment. Not because they don't earn — because no one can read their income.

78%
of independent workers denied financial products despite earning above median income
3 in 4
Indies have no proof-of-income document accepted by a bank or lender
61%
have been asked to show a pay stub — and had none to provide
1.57B
independent workers globally with zero credit infrastructure built for them
IndieScore™ vs FICO

FICO scores a paycheck.
IndieScore™ scores an Indie.

FICO was designed in 1956 for W-2 employees with steady paychecks. IndieScore™ was built from scratch for how independent workers actually earn.

Factor FICO IndieScore™
Gig platform income (Uber, DoorDash, Upwork)✗ Ignored✓ Core signal
Freelance invoice history✗ Ignored✓ Scored
Income stability vs consistency✗ Not measured✓ 7-factor model
Seasonal income patterns✗ Penalised✓ Contextualised
Multi-platform income stacking✗ Not recognised✓ Rewarded
Vault-verified documents✗ N/A✓ Boosts score
Real-time income view✗ Lagging (months)✓ Live data
The Methodology

7 factors. Vault-verified. Real-time.

IndieScore™ weighs seven independent signals to produce a composite confidence score from 0–1000. Every factor is verifiable through the Mavvrixx Vault™.

📊
Income Volume
Total verified earnings across all platforms and income streams over the trailing 12 months.
📈
Income Stability
Month-over-month variance with seasonal normalisation. Consistent earners score higher — even with variable amounts.
🔄
Work Continuity
Active earning periods vs gaps. Measures sustained independent work, not just recent activity.
🧩
Platform Diversification
Income spread across multiple platforms (Uber + Upwork + Etsy) signals resilience, not instability.
🪪
Vault Completeness
Percentage of Vault™ sections verified with documents. More verified = higher score ceiling.
📄
Document Quality
Bank statements, tax returns (1099/T4A), platform exports — each document type carries a verification weight.
🤝
Verifier Trust Signal
History of successful IndieVerify™ checks from lenders, landlords, and insurers — social proof of creditworthiness.
Score Tiers

Four tiers. Real milestones.

Your IndieScore™ determines your IndiePass™ tier — the credential level you carry to lenders, landlords, and insurers.

Bronze
0–449
Entry level. Vault started, income signals building. Access to basic IndiePass™.
Silver
450–699
Verified income. Accepted by growing network of lenders and landlords.
Gold
700–849
Strong verified profile. Priority access. Higher acceptance rates across all verifier categories.
Elite
850–1000
Certified Indie. Highest trust tier. No-touch automated approval with IndieShield™ carriers.

Find out your IndieScore™ in 5 minutes

Free. No account required to start. Answer 8 questions and get your baseline score — plus your IndiePass™ if you qualify.

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