Trust score: how to graduate from New tier
6 min read
Every creator starts at 'new' tier with a 45-day hold + $1,000 unclaimed earnings cap. Graduating to 'bronze' (and higher) shrinks the hold + lifts the cap. Here's the exact recipe.
Trust score inputs
Verified conversions in 30 days — completed orders attributed to your links that survive the hold window.
Refund rate (30 days) — refunded / total. Below 5% is healthy; above 10% triggers the penalty branch (60-day hold).
Account age — calendar days since first verified conversion.
KYC — required for Silver and above. Without KYC, your tier stays at Bronze regardless of volume.
Stripe debit authorization — required to unlock sub-30-day holds (Silver / Gold / Platinum). Without it, your hold is floored at 30 days regardless of tier.
Violations — content takedowns, refund disputes, anti-fraud signals; each one costs trust points.
Tier thresholds
Bronze: 5+ verified conversions, refund rate < 5%. Most creators hit this in 2–4 weeks.
Silver: 20+ verified conversions, refund rate < 3%, KYC verified, debit auth active.
Gold: 100+ verified conversions, refund rate < 2%, KYC verified, debit auth active.
Platinum: 500+ verified conversions, refund rate < 1%, KYC verified, debit auth active, zero recent violations.
What changes at each tier
New: 45-day hold (the default for every brand-new creator). Unclaimed cap $1k.
Bronze: hold drops to 30 days. Cap rises to $3k.
Silver: hold drops to 21 days. Cap rises to $10k. Eligible for promo campaigns. (Requires debit auth — without it you stay at the 30-day floor.)
Gold: hold drops to 14 days. Cap rises to $25k. Featured-creator badge.
Platinum: hold drops to 10 days. No cap. Priority support.
Penalty branch (refund rate > 10%): hold jumps to 60 days. Recover by maintaining clean sales for 30 days, then your tier is re-computed.
Effective hold is also floored by the product type — Shopify physical 21d, SaaS one-time / first-month 35d. So even Platinum on a SaaS subscription holds for 35d, not 10d.
Things that drop your tier
Refund rate spike — three months in a row over the threshold for your tier and you'll be downgraded one tier.
Self-purchase pattern — buying via your own link is fine occasionally but a recurring pattern triggers 'penalty' branch with zero commission until cleared.
Account-strike rules — content violations, fraud reports, or compliance issues each cost points; three strikes in 90 days lands you on penalty branch.
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