About Lumexpay
LumexPay (operating the OpenCredit platform) is building India's trust infrastructure for capital flows — the foundational layer that lets formal capital reach the MSMEs, small businesses, vendors, and agri-businesses who keep the informal economy running.
Our Story
The barrier holding back India's informal economy isn't merely a data deficit — it's a trust deficit. Lenders don't just lack information about 190 million+ credit-invisible MSMEs, farm households, and micro-retailers; they lack a trustworthy, explainable way to act on the information that does exist.
OpenCredit closes that gap by establishing verifiable trust confidence before any lender-borrower match is made, so capital can move on the strength of that trust rather than on paperwork the borrower was never positioned to produce. We convert everyday digital footprints — UPI transactions, GST filings, and consented Account Aggregator data — into a pre-evaluated Trust Confidence Profile for every MSME, before that MSME is ever exposed to a lender.
This shifts the platform from being a lead marketplace to being genuine trust infrastructure: every borrower who reaches a lender through OpenCredit already carries a transparent, explainable, continuously refreshed confidence signal.
OpenCredit is designed, engineered, and open-sourced in India, for the borrowers India's credit bureaus were never built to see — and every score it produces is explained back to that borrower in their own language, not just English.
What We Believe
Principles that shape every decision we make building trust infrastructure for capital.
Explainable, Not a Black Box
Lenders see the factors behind every score, and every non-qualifying match shows the borrower exactly which criteria were and weren't met.
Consent Before Anything
Data is gated behind explicit, purpose-bound consent and never pulled before that consent exists.
Trust Compounds
Stronger confidence bands unlock a wider, better-priced set of offers — rewarding borrowers for building a genuine data trail.