Company

The people and milestones behind India's trust infrastructure for capital flows.

Founder & Leadership

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

Milestones

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.

Shipped

Mobile App (Android)

The same Trust Confidence platform, now on Android — camera-based document capture, offline handling, and OTP autofill built in.

Filed

Provisional Patent Filed

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

Recognized

Startup India (DPIIT) Recognition

Recognized as a startup by the Department for Promotion of Industry and Internal Trade, Ministry of Commerce & Industry. Certificate No. DIPP278295.

Registered

MSME / Udyam Registered

Registered under the Udyam scheme, Ministry of MSME, Government of India — UDYAM-MH-26-1185108.

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