The Platform
OpenCredit is architected as a trust-first credit aggregation platform, built around four coordinated agentic layers that compute and act on a borrower's Trust Confidence Profile.
The Trust Confidence Profile
Every MSME, small business, vendor, or agri-business receives a score, component breakdown, and confidence band — computed from UPI, GST, and Account Aggregator-consented data, gated behind explicit, purpose-bound consent and never pulled before that consent exists. A borrower's confidence profile is never static: it is recomputed on a defined cadence and refreshed automatically as new consented data arrives.
How the Trust Score Is Computed
Every score is produced by a rules-based, deterministic scoring engine — not an opaque proprietary model. The same consented UPI transaction history is read across five dimensions, and every factor behind the resulting number is disclosed back to the borrower and the lender alike.
Velocity
Transaction frequency and volume over time.
Regularity
Consistency of payment timing, month over month.
Diversity
Breadth of merchant categories transacted with.
Seasonality
Stability of consumption across seasonal cycles.
Financial Resilience
Ability to hold positive balances and avoid overdrafts.
Four Agentic Layers
An agentic underwriting stack computes the trust signal and recommends each borrower to the lender types best suited to their confidence band.
A Trust Score India Can Actually Read
A confidence band means nothing to a borrower who can't understand why they received it. OpenCredit pairs the deterministic scoring engine with a fine-tuned language model whose only job is explanation — it has zero role in calculating the score itself, and can never move a number the rules engine already fixed.
That model turns each score's factor breakdown into a plain-language explanation in the borrower's own language — the same underlying number, delivered the way a person actually thinks about their finances.
Explanations available in
The scoring rules and their weights are identical in every language — only the explanation changes, so no borrower is scored differently because of the language they read in.
Bankability Score App
A standalone, zero-regulatory-approval Bankability Score mobile app is live for MSMEs today, with the farm and tractor-financing segment next.
It lets a borrower see their own Trust Confidence Profile directly — before any lender is ever involved.