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RBI Regulatory Sandbox · Under Evaluation

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.

Explainable, Not a Black Box
Consent-Gated Data
Lender-Aware Matching
Request Early AccessRead the Whitepaper

Recognized by, and building for

IDBI Innovate 2026
RBI Sandbox
IIT Bombay
Patent Filed
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Addressable Market
190M+
MSMEs & Farmers
Lender Types
3
Coop, NBFC, Bank
Agentic Layers
4
Trust Engine
Regulatory
RBI
Sandbox Stage

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.

The Trust Deficit

190 million+ MSMEs, farm households, and micro-retailers operate almost entirely outside formal credit bureaus. Existing scores rely on loan history these borrowers simply don't have.

Data Deficit + Trust Deficit190M+ Credit-Invisible

Trust Confidence Profile

Every MSME gets a pre-evaluated score, component breakdown, and confidence band — computed from UPI, GST, and consented Account Aggregator data — before ever reaching a lender.

Explainable by DesignConsent-Gated Always

Trust Compounds

Stronger confidence bands unlock a wider, better-priced set of offers across more lender types — rewarding borrowers for building a genuine, continuously refreshed data trail.

Continuously Refreshed3 Lender Types Unlocked

Ready to Build on Verifiable Trust?

See how OpenCredit turns everyday digital footprints into a trustworthy, explainable signal lenders can act on.

The Trust Confidence Engine

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.

190M+
Target Market
3
Lender Types
RBI
Regulatory Sandbox
4
Agentic Layers
Layer 01

Credibility Agent

Builds a borrower's trust and behavioural profile from consented digital data, producing the underlying confidence signal.

UPI transaction patterns
GST filing history
Consented Account Aggregator data
Layer 02

Underwriting Agent

Translates the Trust Confidence Profile into lending-ready, lender-type-specific risk parameters.

Lender-type risk parameters
Explainable factor breakdown
Confidence-band scoring
Layer 03

Matching Agent

Routes each borrower to the right lender type from a structured taxonomy, based on confidence band and profile shape.

Cooperative banks & credit societies
NBFCs
Merchant & scheduled banks
Layer 04

Offer Orchestration Agent

Manages offer generation, comparison, and transparent, borrower-facing delivery.

Multi-lender offer comparison
Transparent, explainable criteria
Borrower-facing delivery

Ready 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.

Early Traction & Recognition

OpenCredit is an early-stage platform moving deliberately through regulatory validation before scale.

Submitted

IDBI Innovate 2026

OpenCredit / LumexPay submitted to IDBI Innovate 2026 (Financial Health Score problem statement) with a full-stack proof of concept.

Live

Full-Stack MVP

Synthetic data adapters, weighted scoring engine, and production-grade frontend — built and self-hosted at credit.lumexpay.com.

In Progress

RBI Regulatory Sandbox

Regulatory Sandbox submission in progress with the Reserve Bank of India.

Filed

Provisional Patent Filed

India provisional patent filed (Jan 2026) for the underlying causal-lattice scoring methodology — application no. 202621000683.

Prashant H. Bhalesain

Founder & CEO, LumexPay (India) & Setient Ltd (UK)

25+ years of systems architecture and ML infrastructure experience across HSBC, Lloyds, WorldPay, QinetiQ, Ford, Lear, and Seagate. M.Tech, IIT Bombay; Oxford AI Programme; MIT Innovation Leadership. Winner, UK Big Data Excellence Award.

Co-founder of Zatpat Technologies, which delivered India's FASTag national toll infrastructure — direct, at-scale experience building national digital public infrastructure in India. Innovator of PrivEdge AI (patent-pending edge-cloud inference router; winner, Edge/IoT Software Project of the Year, Computing AI & Software Development Awards 2026) and Doxi Nova (document intelligence).

Award-winning founder, national infrastructure track record

Building India's Trust Infrastructure, One Milestone at a Time

Follow OpenCredit's progress through the RBI Regulatory Sandbox and early lender partnerships.

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.

Hyper-local relationships
Lower-ticket lending
Community-based trust
Fastest Turnaround

NBFCs

Faster-turnaround, higher-risk-tolerance credit products for growing MSMEs and vendors.

Faster turnaround
Higher risk tolerance
Flexible credit products

Merchant & Scheduled Banks

Higher-ticket, longer-tenure, compliance-heavy lending for established businesses.

Higher-ticket lending
Longer tenure
Full regulatory compliance

From Consent to Offer

01
Consent
UPI, GST & AA data, purpose-bound
02
Trust Confidence Profile
Score, breakdown, confidence band
03
Matching
Routed by profile shape, not one-size-fits-all
04
Offer
Transparent, explainable, comparable

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.