What is Verified Earner?
Verified Earner is a trust badge for members whose income and employment details have been reviewed by Garder. It is designed to make responsible support easier: supporters see a simple badge, while salary details and documents remain private.
The badge does not mean every request is automatically safe or guaranteed. It means the member has passed additional checks, accepted the platform recovery agreement, and may qualify for protected support when their request also fits the programme rules.
Who it is for
Members requesting support
Verified Earner can help serious members stand out when asking for support, especially on Community+ and Funds.
Supporters and Moneybags
Supporters get an extra confidence signal before backing a request. The badge shows the member passed additional checks without exposing private salary details.
Garder trust & safety
The programme creates a structured way to monitor higher-confidence requests, handle missed payments, and protect the support experience.
How it works
A Verified Earner request moves through a few clear stages:
Member applies
The member submits employer details, salary evidence, and accepts the platform recovery agreement.
Admin reviews
Garder reviews the application and assigns a verified salary bracket. Salary details remain private.
Request is checked
When the member posts a request or joins a Fund, the system checks request size and debt-to-income rules.
Supporters see the badge
If the request qualifies, supporters see the Verified Earner badge and can choose to support.
Assurance fee is collected
A 1.5% assurance fee is collected on covered support and moved into the Verified Earner reserve.
Platform bridge protects supporter experience
If a covered payment is missed and remains unresolved, the platform can bridge the scheduled payment from the reserve.
When a request qualifies
Not every request from a Verified Earner is automatically protected. The request still has to pass the programme checks.
| Check | Rule | Why it matters |
|---|---|---|
| Active badge | The member must be approved and not expired. | The badge must still be valid at the time of the request. |
| Request size | Maximum request is 2× the verified monthly salary floor. | Keeps support requests proportional to verified earning power. |
| Debt-to-income | Projected obligations must stay within 43% DTI. | Existing loans, Funds, and Susu obligations are considered before the badge is applied. |
| No active block | No platform debt hold or unresolved Verified Earner default. | Members with unresolved platform debt must clear it before receiving protected support again. |
What supporters see
Supporters do not see salary details, employer contact, or uploaded documents. They only see the Verified Earner badge and the normal request information needed to make a decision.
Badge signal
The request may show a Verified Earner badge when the member and request qualify.
Notifications
Opted-in supporters may receive email or in-app alerts when a qualifying Verified Earner request is posted.
Normal support flow
Supporters still review the amount, purpose, return terms, and user trust signals before deciding.
Private income data
Salary bracket, employer name, employer contact, and documents are never shown to supporters.
Assurance fee
Covered Verified Earner support includes a 1.5% assurance fee. This fee helps fund the Verified Earner reserve, which is used to keep supporter experience smooth if a covered payment is missed.
| Item | What happens |
|---|---|
| Who pays it? | The supporter/backer pays the assurance fee when supporting a covered Verified Earner request. |
| Does it reduce the member's support? | No. The member receives the intended support amount. The fee is separate. |
| Where does it go? | It goes into the Verified Earner reserve. |
| Why does it exist? | It supports the platform bridge that protects the supporter experience if a covered payment is missed. |
The platform bridge
The platform bridge is the protection layer behind Verified Earner. If a covered payment becomes overdue and remains unresolved, Garder can cover the payment from the reserve so the supporter receives the expected return flow.
Payment becomes overdue
The member is notified and any wallet top-up can settle the overdue amount automatically.
Platform bridge can activate
If the covered payment is still unresolved, the reserve covers the payment and the member now owes the platform.
Clearance window
The member can clear the platform debt before it becomes a default. Wallet top-ups apply to platform debt first.
Default if uncleared
If still unpaid, the bridge debt defaults, a collections case opens, and programme consequences apply.
If a bridged payment defaults
If the member does not clear the platform debt during the clearance window, the situation becomes more serious. The platform debt becomes a defaulted Verified Earner obligation.
| Consequence | What it means |
|---|---|
| Platform debt | The member owes the platform the bridged amount plus a 10% collections surcharge. |
| Wallet hold | Withdrawals and some activity are limited while platform debt remains outstanding. |
| Auto-settlement | Any future wallet top-up clears platform debt first before funds become available for other activity. |
| Collections case | A case is opened for internal tracking and recovery follow-up. |
| Verified Earner revoked | The badge is removed and re-application is locked until the required waiting period has passed. |
What stays private
Verified Earner is designed to give confidence without exposing sensitive personal information.
Never shown publicly
- • Salary bracket
- • Employer name
- • Employer contact
- • Paystub or submitted documents
- • Admin review notes
Visible to members
- • Verified Earner badge when qualified
- • Normal request amount and purpose
- • Normal trust/profile signals
- • Request or Fund terms
- • Public community activity
Revoked status and re-application
If a member defaults after the platform bridge, their Verified Earner badge is revoked. Clearing the debt removes the platform hold, but it does not instantly restore the badge.
| Status | Can re-apply? | What the member should do |
|---|---|---|
| Revoked + platform debt | No | Clear the platform debt first. Wallet top-ups will be applied to the debt automatically. |
| Revoked + debt cleared + wait period active | No | Wait until the re-application date shown on the profile page. |
| Revoked + debt cleared + wait period passed | Yes | Submit a new application with updated salary evidence. |
| Expired | Yes | Submit re-verification to renew the badge. |
FAQ
Is Verified Earner the same as a loan guarantee?
No. It is a protected support programme for qualifying requests. The badge adds extra checks and a platform bridge, but supporters should still review each request carefully.
Can supporters see my salary?
No. Salary bracket, employer details, contacts, and uploaded documents are private. Supporters only see the badge when the request qualifies.
Why is there a 1.5% fee?
The assurance fee helps fund the Verified Earner reserve, which powers the platform bridge when covered payments are missed.
Does the member receive less money because of the fee?
No. The member receives the intended support amount. The fee is separate from the support amount.
What happens if I miss a payment but clear it quickly?
If the platform bridge is used and you clear the platform debt before default, the issue can be resolved without the full default consequence.
What happens after default?
Your Verified Earner badge is revoked, platform debt is created with a collections surcharge, wallet activity may be limited, and a collections case is opened.
Can I re-apply after being revoked?
Yes, but only after platform debt is cleared and the re-application waiting period has passed.
Does Verified Earner replace credit score?
No. It works alongside trust score, repayment history, KYC, Community+ activity, and other platform signals.