Recivo is WAEC for the informal economy. A voice-and-simulation skill exam that turns a trader’s hands into a verifiable credential, and routes payment through Squad rails so doing the work on-platform makes you more hireable the next time.
Field-validated with 24 workers and 6 employers across Computer Village, Ladipo, Tejuosho, Aba.
Nigeria’s informal sector employs more workers than the entire formal workforce. They are not poor by lack of ability — they are poor by lack of proof.
A phone technician with twelve years of experience has no certificate. No employer outside his WhatsApp circle has any way to know.
Reputation lives in physical neighborhoods and word-of-mouth. A welder in Aba cannot accept a job in Lekki because nobody in Lekki has heard of him.
Clients ghost after work is done. Workers chase fees for weeks. Informal work pays 30% less than formal work — risk priced into every transaction.
If the customer can see I passed the test before hiring me, I don’t need to beg for the job. The test is begging for me.
Emeka · phone repair · Computer Village
A drag-and-drop cannot prove a worker can physically execute a repair — that takes muscle memory, smell, sound. What it canprove is that they can correctly diagnose, reason about, and articulate the fix. That’s exactly what an employer needs to know before hiring. Real execution is verified later, by Squad-confirmed completed jobs. We don’t over-claim.
A 3D fault appears on screen. The voice agent — in Pidgin, Yorùbá, Igbo, Hausa or English — frames the customer brief and asks where the worker would begin.
The worker reasons aloud. The agent probes — Why this tool first? How will you eliminate motherboard? Branches across a 30-node decision tree per fault.
Drag the battery out. Probe the multimeter onto the contacts. Re-seat the ribbon. Every action emits a typed event that the deterministic scorer grades against the correct-path graph.
The worker explains the full fix to the customer in their own words. The reasoning model scores articulation — the heaviest-weighted dimension, because it’s what employers actually evaluate.
Iṣẹ́ (Yorùbá: work, craft) — pronounced ee-shay. Knowledge is what you know. Trust is what you’ve done. The weighting moves from one to the other as you compound on-platform.
A first-day worker is judged entirely on Knowledge. After 10 jobs, half-and-half. After 14+, Trust dominates — capped at 70% so skill never becomes irrelevant.
From the Diagnostic Interview. Voluntary retake at ₦500 — empowering, not punitive. Workers come back when they think they’ve improved.
Inputs: completed jobs (log curve), star ratings, structured feedback tags, repeat-customer ratio, dispute rate, time-decay.
We don’t punish workers who transact off-platform. Their Trust just stops compounding while everyone else’s climbs.
Trust decays over time. A great mechanic who hasn’t worked in a year drops in rank. Knowledge keeps the bar real.
Trust Score literally cannot exist without Squad-confirmed transactions. Per-job Virtual Account escrow is a financial primitive that turns “matching” into trust infrastructure — three APIs doing core platform work, not decorative payment collection.
Each accepted job spawns a job-scoped Virtual Account. Employer funds escrow on hire.
Solves “client ghosted me”. Reframes Recivo as trust infrastructure.
Provisioned at signup — a GTCO-backed VA tied to the worker’s number.
The spine of the Trust Score. Every payment in = verified job event.
On confirm, funds release from job escrow to the worker’s primary VA.
Sub-60-second payout. Worker sees money instantly — beats WhatsApp + bank.
Recivo is designed against named, interviewed humans — not personas we invented. Field validation across Computer Village, Ladipo Auto Market, Tejuosho, and four Lekki fashion houses.
“I’ve been fixing phones for twelve years. Everybody in this market knows me. But if you ask me to go work for Slot or 3CHub, they don’t know me, so they won’t hire me. I’m stuck here.”
“I’ve hired three tailors in eighteen months who claimed to do French seams. Two couldn’t. ₦400,000 in spoiled fabric. I’d pay a 15% premium for someone I can trust.”
“Mechanic interviews are theatre. Candidates memorise answers. A bad mechanic hire costs us ₦600,000 in repair errors over six months. I need to watch them reason through a real fault.”
Adding a trade is a content problem, not an engineering one. Once the simulation engine, voice agent, and rubric framework are in place, a new trade needs 3D assets, master-craftsman rubrics, and a decision tree — six weeks, start to launch.
Recivo is Squad’s path into 41 million Nigerian wallets that no bank has ever touched. The diagnostic is the moat. The Trust Score is the credential. The rails are the proof.