Revelation 19:8

8  And to her was granted that she should be arrayed in fine linen, clean and white: for the fine linen is the righteousness of saints.

Scholars differ on the meaning of the fine linen. It could mean the “righteousness of the saints” (that comes through the blood of Jesus) or the “righteous acts of the saints” (that comes through the Holy Spirit working in believers). Both views are correct;  there was an inner and an outer garment.  The white inner garment that is worn was given by Christ when a person was saved but the white outer garment is the righteous deeds that were done through the work of the Holy Spirit.  This outer garment in Roman times could be woven with gold and silver thread and studded with precious stones.

Everyone that is part of the bride will have fine linen undergarments given freely by Jesus but not everyone will have the gold silver and precious stones to display in their outer garment. These adornments will be awarded at the judgment of rewards and will be based on how each individual built upon the house of God. The judgment will be about positions of authority and leadership.

1 Corinthians 3:12  Now if any man build upon this foundation gold, silver, precious stones, wood, hay, stubble;

13  Every man’s work shall be made manifest: for the day shall declare it, because it shall be revealed by fire; and the fire shall try every man’s work of what sort it is.

14  If any man’s work abide which he hath built thereupon, he shall receive a reward.

15   If any man’s work shall be burned, he shall suffer loss: but he himself shall be saved; yet so as by fire.