<b>A 4-factor reliability score predicts non-payment better than reputation threads</b>

<b>A 4-factor reliability score predicts non-payment better than reputation threads</b>
Reliability score = weighted blend, 0-100, of operational signals.

— On-time payment ratio: weight 40% ▏▏▏▏▏▏▏▏
— Tracking uptime (postback success): 25% ▏▏▏▏▏
— Dispute resolution median, days: 20% ▏▏▏▏
— Account-manager response latency: 15% ▏▏▏

In backtest, networks scoring under 55 had a 6.4x higher rate of a delayed-or-skipped payout event. Forum sentiment correlated only r=0.31 with actual payment behavior. n=52 networks scored over 12 months.

Read: track your own four numbers per network; sentiment is a weak prior.