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.
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.
Bankability Score App
Go-to-market is sequenced to reach MSMEs first, followed by the farm and tractor-financing segment, with a standalone, zero-regulatory-approval Bankability Score mobile app as the fastest initial distribution path.
It lets a borrower see their own Trust Confidence Profile directly — before any lender is ever involved.