{
  "@context": "https://koinonlink.com/schema/creator/v1.3",
  "@type": "Creator",
  "schema_version": "1.3",
  "id": "koinon:creator:tiktok_paythathomeproject",
  "url": "https://koinonlink.com/kol/tiktok/paythathomeproject",
  "alternate": {
    "html": "https://koinonlink.com/kol/tiktok/paythathomeproject",
    "json": "https://koinonlink.com/kol/tiktok/paythathomeproject.json",
    "markdown": "https://koinonlink.com/kol/tiktok/paythathomeproject.md"
  },
  "identity": {
    "display_name": "PayThatHomeProject",
    "handle": "paythathomeproject",
    "platform": "tiktok",
    "platform_url": "https://www.tiktok.com/@paythathomeproject",
    "website": null,
    "country": "US",
    "country_name": "United States",
    "location_text": null,
    "entity_type": "creator",
    "person_id": null,
    "person_id_note": "Cross-platform identity not resolved for this creator.",
    "other_accounts": [],
    "claimed": false,
    "claimed_note": "Not claimed. This says nothing about the creator — most profiles are simply not claimed yet.",
    "declared_accounts": []
  },
  "first_party": null,
  "reach": {
    "followers": 13980,
    "following": 119,
    "posts_total": 401,
    "posts_observed": 2,
    "account_age_days": null,
    "posts_per_day": null,
    "verified": false,
    "size_tier": "koc"
  },
  "engagement": {
    "status": "not_collected",
    "engagement_rate": null,
    "engagement_rate_basis": null,
    "posts_in_average": null,
    "avg_views_per_post": null,
    "peak_post_engagement_rate": null,
    "avg_interactions_per_post": null,
    "best_post_interactions": null,
    "measurement_source": null,
    "measurement_formula": null,
    "comparable_pool": null,
    "status_note": "Engagement has not been collected for this creator yet. This is a gap in our collection, NOT a statement that the creator has no engagement. Follower count is known, so it is measurable.",
    "unit_note": "engagement_rate and peak_post_engagement_rate are ratios (0-1); avg_interactions_per_post and best_post_interactions are absolute counts. Read status before reading any number: a null rate has several different causes and status says which one applies here."
  },
  "content": {
    "bio": "",
    "topics": [
      "Mortgage payoff challenges",
      "Nonprofit mortgage relief initiatives",
      "Community fundraising for home ownership",
      "Personal financial freedom journey",
      "Mortgage freedom as a life goal",
      "TikTok-based community engagement for financial causes"
    ],
    "topics_en": [
      "Mortgage payoff challenges",
      "Nonprofit mortgage relief initiatives",
      "Community fundraising for home ownership",
      "Personal financial freedom journey",
      "Mortgage freedom as a life goal",
      "TikTok-based community engagement for financial causes"
    ],
    "topics_zh": [
      "房贷还清的挑战",
      "非营利性房贷援助计划",
      "社区为购房筹款",
      "个人财务自由之旅",
      "房贷自由作为人生目标",
      "通过TikTok社群参与公益募捐"
    ],
    "category": "finance",
    "category_label": "Finance",
    "subcategory": "personal_fin",
    "subcategory_label": "Personal finance",
    "category_confidence": 0.9,
    "category_source": "derived_from_recent_content"
  },
  "audience": {
    "status": "present",
    "status_note": null,
    "description": "Individuals struggling with mortgage debt, especially in NYC/NJ, seeking mortgage relief through nonprofit community fundraising",
    "roles": [
      "consumer"
    ],
    "seniority": "consumer",
    "pain_points": [
      "Feeling trapped by long-term mortgage payments and unable to achieve financial freedom",
      "Lack of trust in traditional banking systems for mortgage solutions",
      "Difficulty accessing affordable or transparent mortgage relief programs",
      "Fear of financial instability due to rising home costs and PMI/taxes"
    ],
    "posts_analysed": 40,
    "confidence": 0.75
  },
  "commercial": {
    "audience_buyer_fit": 0.2,
    "promotion_intent": 0.3,
    "open_to_collaboration": false,
    "contact": null,
    "contact_note": "Koinon does not publish creator contact details."
  },
  "quality": {
    "authenticity_score": 54,
    "authenticity_basis": "profile_shape_only",
    "authenticity_method": "Profile-shape heuristic from a single snapshot (follower count, following ratio, account age, posting volume, verification), reduced for engagement red flags where post engagement was collected. Where only a follower count is available the score saturates at 58.",
    "authenticity_comparable_across_platforms": false,
    "credibility_score": 54,
    "credibility_note": null,
    "flagged_for_review": false,
    "flag_reasons": [],
    "anomaly_flags": [],
    "koinon_bd_grade": {
      "value": "C",
      "scale": [
        "A",
        "B",
        "C",
        "quarantine",
        null
      ],
      "value_meanings": {
        "A": "Strong fit for Koinon partner outreach.",
        "B": "Moderate fit.",
        "C": "Weak fit, or never scored.",
        "quarantine": "Flagged for manual review. Excluded from Koinon published statistics, but creator search still RETURNS these profiles unless you pass exclude_anomalous:true — check quality.flagged_for_review.",
        "null": "Never scored."
      },
      "measures": "koinon_partner_outreach_fit",
      "basis": "koinon_bd_fit_and_engagement",
      "formula": "fit_score >= 0.6 AND authenticity >= 60 => A; fit_score >= 0.4 AND authenticity >= 45 => B; else C. authenticity < 30 or a promotional-pattern flag => quarantine.",
      "comparable_across_platforms": false,
      "interpretation": "NOT a quality score and NOT fit for your campaign — it grades Koinon own partner-outreach interest in gaming, e-commerce and software. A \"C\" usually means \"outside those industries\" or \"not yet scored\".",
      "explained_at": "https://koinonlink.com/for-ai#koinon_bd_grade"
    },
    "interpretation": "Signals for triage, not verdicts. A flag means the profile is worth a manual check."
  },
  "evidence": [
    {
      "evidence_id": "tiktok_paythathomeproject#d37d54e5",
      "type": "creator_content",
      "excerpt": "#FYP #2022GOALS  #Financialfreedom  #NYNJ  #Nomoremortgages  #Paythathomeproject",
      "source_url": "https://www.tiktok.com/@paythathomeproject",
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_paythathomeproject#3f5f2aa5",
      "type": "creator_content",
      "excerpt": "original sound - primerico",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_paythathomeproject#7ca18991",
      "type": "creator_content",
      "excerpt": "The Man",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_paythathomeproject#bb7f12b7",
      "type": "creator_content",
      "excerpt": "It is a becoming a big trend on TikTok now! Click here: fyp",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_paythathomeproject#d88b3c57",
      "type": "creator_content",
      "excerpt": "Check out PayThatHomeProject’s video! #TikTok >",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_paythathomeproject#ee26fb33",
      "type": "creator_content",
      "excerpt": "Cheer of the Year Award Nominee #supportourcommunity #paythathomeproject #cheerchoiceawards #pthp #mortgagepayoff",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_paythathomeproject#9e3303b2",
      "type": "creator_content",
      "excerpt": "original sound - paythathomeproject",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_paythathomeproject#252539bc",
      "type": "creator_content",
      "excerpt": "#Paythathomeproject #FYP #OneDonationAtAtime #2022GOAL #Architect #NYC #NJLiving #NoMoreMortgage",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    }
  ],
  "provenance": [
    {
      "field": "audience.description",
      "source_type": "ai_inferred",
      "confidence": 0.75,
      "freshness_days": 0,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "audience.roles",
      "source_type": "ai_inferred",
      "confidence": 0.75,
      "freshness_days": 0,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "audience.seniority",
      "source_type": "ai_inferred",
      "confidence": 0.75,
      "freshness_days": 0,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "commercial.audience_buyer_fit",
      "source_type": "ai_inferred",
      "confidence": 0.6,
      "freshness_days": 0,
      "method": "llm_scorer",
      "note": "Relative signal within Koinon indexing, not a market-wide score."
    },
    {
      "field": "commercial.promotion_intent",
      "source_type": "ai_inferred",
      "confidence": 0.6,
      "freshness_days": 0,
      "method": "llm_scorer"
    },
    {
      "field": "quality.anomaly_flags",
      "source_type": "heuristic",
      "confidence": 0.5,
      "freshness_days": 50,
      "method": "profile_snapshot_and_engagement_ratio_heuristic",
      "note": "Means \"worth a manual check\", NOT confirmed fraud. Flags can be wrong and are not a verdict about the person."
    },
    {
      "field": "quality.authenticity_score",
      "source_type": "heuristic",
      "confidence": 0.25,
      "freshness_days": 0,
      "method": "Profile-shape heuristic from a single snapshot (follower count, following ratio, account age, posting volume, verification), reduced for engagement red flags where post engagement was collected. Where only a follower count is available the score saturates at 58.",
      "note": "The input set differs by platform; do not compare this score across platforms."
    },
    {
      "field": "quality.koinon_bd_grade",
      "source_type": "ai_inferred",
      "confidence": 0.5,
      "freshness_days": 50,
      "method": "llm_partner_fit_classifier + fit_score >= 0.6 AND authenticity >= 60 => A; fit_score >= 0.4 AND authenticity >= 45 => B; else C. authenticity < 30 or a promotional-pattern flag => quarantine.",
      "note": "Koinon partner-outreach fit, not creator quality."
    },
    {
      "field": "reach.followers",
      "source_type": "observed",
      "confidence": 0.95,
      "freshness_days": 50,
      "method": "platform_profile"
    }
  ],
  "method_notes": {
    "llm_persona_from_recent_content": "Computed from posts read live at analysis time; those posts are NOT retained. The excerpts in evidence[] are separately collected profile content and are NOT the inputs to this inference. Do not cite them as its supporting evidence."
  },
  "freshness": {
    "profile_checked_days_ago": 50,
    "content_analysed_days_ago": 0,
    "audience_updated_days_ago": 0,
    "generated_at": "2026-09-04T04:19:41.900Z"
  },
  "retrieval": {
    "indexing_requests": 1,
    "user_triggered_requests": 0,
    "last_user_triggered_day": null,
    "note": "Being indexed in bulk is not the same as being retrieved to answer a question."
  },
  "relationships": {
    "platform_entity": "https://koinonlink.com/creators/tiktok",
    "category_entity": "https://koinonlink.com/product-category/finance"
  },
  "license": {
    "terms": "https://koinonlink.com/for-ai",
    "attribution": "Koinon Link",
    "claim_url": "https://koinonlink.com/claim?k=tiktok_paythathomeproject",
    "removal_url": "https://koinonlink.com/claim?k=tiktok_paythathomeproject"
  }
}