Building India's
Trust Infrastructure
for Capital
Pre-evaluated trust confidence, connecting India's MSMEs, small businesses, vendors, and agri-businesses to cooperatives, NBFCs, and merchant banks — before any lender-borrower match is ever made.
Recognized by, and building for
Closing India's Credit Gap
The barrier holding back this segment isn't merely a data deficit — it's a trust deficit. OpenCredit closes that gap before any lender-borrower match is made.
Ready to Build on Verifiable Trust?
See how OpenCredit turns everyday digital footprints into a trustworthy, explainable signal lenders can act on.
Platform Architecture: Four Agentic Layers
OpenCredit is built around four coordinated agents that compute and act on a borrower's Trust Confidence Profile — recomputed on a defined cadence, refreshed as new consented data arrives.
A Deterministic Trust Score, Per SME
Every MSME gets its own score, built from a transparent, rules-based algorithm across five UPI transaction dimensions — not an opaque proprietary model.
See how it's computedExplained in 10 Indian Languages
A fine-tuned language model explains — but never computes — each score in the borrower's own language, so understanding a Trust Confidence Profile never depends on reading English.
See supported languagesReady to Build on Verifiable Trust Infrastructure?
See how OpenCredit's agentic stack computes a transparent, explainable trust signal before a single lender ever sees a profile.
A Lender-Aware Aggregation Layer
OpenCredit connects MSMEs, vendors, and farmers to the lender types best suited to their confidence band — matched by profile shape, not a one-size-fits-all listing.
Cooperative Banks & Credit Societies
Hyper-local, relationship-based, lower-ticket lending — well suited to first-time and thin-file borrowers.
NBFCs
Faster-turnaround, higher-risk-tolerance credit products for growing MSMEs and vendors.
Merchant & Scheduled Banks
Higher-ticket, longer-tenure, compliance-heavy lending for established businesses.
From Consent to Offer
Interested in Partnering With Us?
Whether you're a cooperative bank, an NBFC, or a merchant bank looking for pre-evaluated, explainable borrower profiles — let's talk.