Whether you're a gig worker in Kuala Lumpur, a freelancer in Dhaka, or a student in Jakarta — you deserve a fair financial identity.
YOUR OPENSCORE
Payment
91%
Income
78%
Utility
88%
TOP LENDER MATCHES
120K+
Active Users
290M+
Unscored in SEA
5
Countries Served
45+
Lender Partners
Traditional credit scoring ignores gig workers, freelancers, and migrants who hold real economic power but remain financially invisible.
Gig workers rejected
despite stable recurring digital income
Unscored Malaysians
lack any footprint in traditional credit
Unscored in SEA
have no financial identity across the region
We bridge the gap by analysing your digital economy footprint — e-hailing earnings, social commerce, utility patterns — to build a comprehensive financial profile that lenders trust.
Score improvement timeline
Simple, secure, and entirely digital. Start in under 5 minutes.
Securely link bank, e-wallet, and gig platform accounts via encrypted APIs.
Our neural network analyses 200+ signals across payment consistency, income stability, and transaction diversity.
Receive your verified OpenScore and unlock curated lender offers instantly.
A suite of tools designed to put your financial potential first.
No black boxes. We tell you exactly why you got your score and how to improve it.
See how your score changes before you take any financial action.
Compare your patterns with top performers in your sector.
Access pre-approved loans and credit products matched to your score.
We share your score, not your raw transactions. You stay in total control.
Immutable proof of your scoring history for full transparency with lenders.
Whoever you are, your financial potential deserves to be seen.
Turn delivery history into a mortgage-ready profile.
Showcase project income for premium credit cards.
Build credit early using education trajectory.
Cross-border scoring from your home country.
International credit history recognised.
Validate cashflow via digital receipts.
“As a Grab driver, I couldn't get a car loan despite earning RM6k monthly. OpenNilai changed everything in 2 days.”
Ahmad Razali
Kuala Lumpur 🇲🇾
“The score simulator is incredible. It helped me understand how paying utilities on time impacts my borrowing power.”
Sarah Tan
Petaling Jaya 🇲🇾
“Privacy was my main concern. OpenNilai's blockchain audit gave me peace of mind to share my data securely.”
M. Kumar
Johor Bahru 🇲🇾
Your credit score is waiting. It takes less than 5 minutes
and is completely free to get started.
120,000+ active users