How to Calculate TrustScore 2.0

TrustScore 2.0 is a financial company credibility assessment system developed by TrustFinance.
Designed to help investors, traders, and business partners
evaluate financial companies based on data that is transparent, verifiable, and reflects real risks

This article is prepared to explain the principles, methodology, and structure of TrustScore 2.0
so that users understand what components the score is evaluated from and why the score can change based on data.

Overview of TrustScore 2.0

TrustScore 2.0 uses a score scale of 0–100
divided into 2 main components.

• ReviewScore (60%) — Credibility from real user reviews
• LicenseScore (40%) — Legal and security credibility

A TrustScore does not mean a company is “good or bad”
but reflects the company's level of trustworthiness and risk
based on verifiable data at that time.

Part 1: ReviewScore (0–60 points)

ReviewScore evaluates the quality and credibility of reviews from real users.
It is designed to reduce bias from the number of reviews, prevent score manipulation,
and give weight to reviews that best reflect actual user experience.

Key Principles of ReviewScore

• Reviews must come from verified real users.
• Newer reviews carry more weight than older reviews.
• Unnatural rating patterns will be de-weighted.
• The quality of the review source affects the score.

ReviewScore Evaluation Method

TrustScore 2.0 uses statistical analysis principles
to reduce volatility from a small number of reviews and mitigate bias from unbalanced data.
The system will not assign high scores based on only a few reviews,
and will consider the consistency of user experience over an appropriate period.

Furthermore, the system analyzes star rating patterns
to detect behavior that may constitute review manipulation.
If anomalies are detected, the score in this section will be automatically reduced.

Part 2: LicenseScore (0–40 points)

LicenseScore evaluates the legal credibility, security,
and user protection of financial companies.

Components of LicenseScore

• Regulatory Status
  Considered based on the company's main licenses and the quality of the regulatory body.
• Compliance History
  Companies with no history of warnings or penalties receive higher scores,
  while companies with a compliance history will have their scores adjusted according to the severity level.
• Security Measures
  Evaluated based on the status of active licenses,
  including capital protection measures and risk control systems.
• Financial Protection
  Considered based on deposit protection systems or client fund guarantees.

TrustScore 2.0 Score Aggregation

TrustScore 2.0 is calculated by combining ReviewScore and LicenseScore
and is limited to a range of 0–100 points

To help users easily understand the risk level,
TrustScore divides the results into 5 levels:

• 80–100 → Trusted
• 60–79 → Good
• 40–59 → Average
• 20–39 → Beware
• 0–19 → Avoid

Review Verification Process

All reviews used in TrustScore calculation must undergo a verification process:

1. Users submit reviews via the TrustFinance platform.
2. Verify identity and relevance to the reviewed company.
3. Check content for policy compliance.
4. Input data into the TrustScore calculation system.

Reviews that do not pass verification will not be included in the score calculation.

Key Principles and Limitations of TrustScore

• TrustScore is a decision-making tool, not investment advice.
• TrustScore is not an endorsement from regulatory authorities.
• Scores may change based on the latest data.
• The system is designed to reflect risk, not for marketing purposes.

Conclusion

TrustScore 2.0 is a credibility assessment system
that integrates real user feedback with legal and security frameworks
to help users and companies clearly and fairly understand risks.

The transparency of the methodology
helps assure users that the score is not based on a single opinion,
but reflects verifiable data from multiple dimensions.

Note
TrustScore is a decision-making tool,
not investment advice, and not an endorsement from regulatory authorities.