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METHODOLOGY

The System Behind Your Score

Fixed rules. Versioned logic. Reproducible results.

RunPayway™ produces the Income Stability Score™ using fixed rules—no AI in scoring, no subjective judgment. Same inputs always produce the same result. Period.

No machine learningNo interpretationNo variation

What makes this different from other assessments?

Financial tools measure what happened. RunPayway™ measures whether your income would survive if something changed.

Not a Credit Score

Credit scores measure borrowing history. This measures how income holds under disruption. Different inputs. Different purpose.

Not a Forecast

The model does not predict what will happen. It measures how your current income would hold up if conditions changed today.

Not Subjective

No advisor. No algorithm. No interpretation. Fixed rules produce fixed results. Every time.

HOW VERSIONING WORKS
The model is locked

Once deployed, every version is immutable.

Scores are Comparable

Same version = directly comparable results.

Changes Increment

Any rule change creates a new model version.

Every Result is Stamped

The model version is permanently recorded.

FOUR STABILITY BANDS
Limited Stability — One disruption could seriously impact your income.
Developing Stability — Your income isn't protected yet.
Established Stability — Can handle most common disruptions.
High Stability — Holds up even under sustained pressure.

System Integrity: What the Model Guarantees

What the model guarantees — and what it deliberately does not do.

THE MODEL GUARANTEES
✓Same inputs always produce the same score
✓No human override in scoring
✓Nothing outside your answers affects the result
✓Every assessment stamped with model version
✓Scores under the same version are directly comparable
THE MODEL DOES NOT
×Access bank accounts or financial data
×Use machine learning or probability-based models in scoring
×Apply subjective judgment at any stage
×Make predictive claims about future income
×Provide financial, legal, or investment advice

RunPayway™ is a measurement system — not a financial product.

It defines how income stability is measured, not how decisions are made.

TRANSPARENCY

What we measure, how we measure it,
and what we don’t yet know.

The scoring model is consistent and fixed

RP-2.0 uses a published, version-locked rule set. Same inputs produce the same output, every time. No AI interpretation. No subjective adjustment. The methodology is transparent and auditable.

Industry baselines are structural estimates

When we compare your score to an industry baseline, that baseline is derived from structural income modeling across each sector — not from a census of individual users. Baselines are versioned separately from the scoring model. When enough new data warrants an update, a new version is published. Your score is always calculated against the baseline in effect at the time of your assessment.

Scoring weights are calibrated against structural income patterns

The weighting across dimensions reflects how income stability factors relate to real-world resilience. As we collect outcome data over time, we refine these weights and publish updates transparently.

Your score reflects structure, not prediction

RunPayway™ does not predict whether you will experience a disruption. It measures how your income is built and how it would behave if conditions changed. The constraint diagnosis, action plan, and stress tests are structural analyses — they show what defines your score, not what will happen next.

We are committed to earning your trust through transparency, not disclaimers. If you have questions about our methodology, contact us directly.

The rules are fixed.

Now, see how your income measures up.

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