Public methodology v0.4.0
The Mizan Score is a 0-100 educational readiness indicator. It helps people understand their financial profile, see what may improve their readiness, and compare relevant products inside Mizan.
The Mizan Score is not a bank credit score, credit report, loan offer, approval decision, or guarantee of eligibility. Financial institutions may use their own criteria and may not use the Mizan Score at all.
The last 90 days of ledger income and everyday spending, excluding transfers, adjustments, and goal movements.
Goal setup, progress, and savings consistency signals recorded in Mizan.
Budget planning, current-month spending, and whether recent activity stays within the limits a user sets.
Recurring bills, expected payment timing, and completion records entered or connected in Mizan.
The level of support behind profile and financial facts, from self-declared data to linked or reviewed evidence.
Build
0-34
Fair
35-54
Good
55-69
Strong
70-84
Excellent
85-100
Mizan aims to make score factors understandable and correctable. Optional profile answers never increase the score. Users can improve accuracy by reviewing money records, goals, budgets, commitments, and data connections they choose to use.
