{
  "@context": "https://koinonlink.com/schema/creator/v1.2",
  "@type": "Creator",
  "schema_version": "1.2",
  "id": "koinon:creator:tiktok_thesavvypinay",
  "url": "https://koinonlink.com/kol/tiktok/thesavvypinay",
  "alternate": {
    "html": "https://koinonlink.com/kol/tiktok/thesavvypinay",
    "json": "https://koinonlink.com/kol/tiktok/thesavvypinay.json",
    "markdown": "https://koinonlink.com/kol/tiktok/thesavvypinay.md"
  },
  "identity": {
    "display_name": "Bea | The Savvy Pinay",
    "handle": "thesavvypinay",
    "platform": "tiktok",
    "platform_url": "https://www.tiktok.com/@thesavvypinay",
    "website": "https://beacons.ai/thesavvypinay",
    "country": "PH",
    "country_name": "Philippines",
    "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": 207720,
    "following": 574,
    "posts_total": null,
    "posts_observed": 8,
    "account_age_days": null,
    "posts_per_day": null,
    "verified": false,
    "size_tier": "kol"
  },
  "engagement": {
    "status": "not_collected",
    "engagement_rate": null,
    "engagement_rate_basis": null,
    "posts_in_average": 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": "Mom in Finance 💃👶\nI talk about adulting, money, insurance, investing, business, wife & family life, my fitness journey, & savvy tips!\n💡 Personal views only💡",
    "topics": [
      "Insurance (life, health, HMO) options and reviews",
      "Personal finance and adulting tips",
      "Family/motherhood financial planning",
      "Investing and retirement strategies",
      "Marriage and relationship advice"
    ],
    "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": "Filipino young adults, parents (esp. moms), and breadwinners seeking personal finance and insurance guidance",
    "roles": [
      "consumer"
    ],
    "seniority": "learner",
    "pain_points": [
      "Choosing the right insurance/HMO plans based on budget and family needs",
      "Understanding how to maximize benefits from products like Maxicare or Sun Life",
      "Handling adulting finances (bills, investing, retirement) without formal education",
      "Balancing career, motherhood, and family financial security"
    ],
    "posts_analysed": 40,
    "confidence": 0.75
  },
  "commercial": {
    "audience_buyer_fit": 0.3,
    "promotion_intent": 0.4,
    "open_to_collaboration": false,
    "contact": null,
    "contact_note": "Koinon does not publish creator contact details."
  },
  "quality": {
    "authenticity_score": 58,
    "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": 58,
    "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_thesavvypinay#81f1a93c",
      "type": "creator_content",
      "excerpt": "When people ask me kung ano bang magandang insurance, I always have follow up questions because it really depends on your purpose, budget, and profile.  Pero most of the time, many people are also not sure about what they want. 😅 Suggestion ko? Build your health coverage while y",
      "source_url": "https://www.tiktok.com/@thesavvypinay",
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thesavvypinay#c43a67cd",
      "type": "creator_content",
      "excerpt": "original sound - thesavvypinay",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thesavvypinay#8d8164cc",
      "type": "creator_content",
      "excerpt": "It is a becoming a big trend on TikTok now! Click here: healthiswealth",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thesavvypinay#0180b5ee",
      "type": "creator_content",
      "excerpt": "Check out Bea | The Savvy Pinay’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_thesavvypinay#6b7e645e",
      "type": "creator_content",
      "excerpt": "Search:",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thesavvypinay#a2c3154b",
      "type": "creator_content",
      "excerpt": "bea the savvy pinay",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thesavvypinay#2eec9a23",
      "type": "creator_content",
      "excerpt": "Maxicare HMO 101 - what you need to know if you are a Maxicare member, para ma-m",
      "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": 16,
      "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": 16,
      "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": 16,
      "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": 16,
    "content_analysed_days_ago": 0,
    "audience_updated_days_ago": 0,
    "generated_at": "2026-09-02T13:59:38.147Z"
  },
  "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_thesavvypinay",
    "removal_url": "https://koinonlink.com/claim?k=tiktok_thesavvypinay"
  }
}