A suite of precision tools designed to make financial scoring inclusive, transparent, and borderless.
No black boxes. Our XAI framework details every scoring variable with 99.9% transparency, powered by SHAP-based explainability.
"Regular utility payments decrease default risk by 12.4% in our current model."
Bias Detection: Neutralized gender/ethnicity markers.
Mapping 200+ non-traditional data nodes for predictive accuracy and economic mobility scoring.
Real-time auditing of model outputs ensuring neutrality across gender, ethnicity, and location.
See exactly how your score changes before taking any financial action. Adjust variables and preview outcomes in real time.
Track your score trajectory over time with monthly breakdowns and volatility indicators.
AI-generated personalised step-by-step plan to maximise your score within 90 days.
Consolidate micro-debts into a single tier-1 facility.
Enable automated direct debits for rent cycles.
Verify secondary income via Open Banking API.
A portable, blockchain-verified proof of your income and financial behaviour — accepted by lenders, landlords, and employers across borders.
Bank-Grade Verification
Instant proof of funds for mortgage applications.
Rental Access
Skip the deposit with verified rental history.
Gig-Economy Friendly
Aggregated income sources for self-employed pros.
Job & Visa Support
International employers accept your Income Passport.
Name
JONATHAN DOE
Score Class
ALPHA-7
Status
ACTIVE
Revoke data access from any lender instantly.
Permanent data wipe requests within 24 hours.
Real-time tracker of who viewed your profile.
Regional regulatory adherence as standard.
Aggregate financial history across 45+ jurisdictions for a unified global credit score.
Convert your cross-border money transfers into score-building credit events.
Specialized modelling for seasonal and contractual workers outside their home country.
Join millions of users who are reclaiming their financial identity with OpenNilai's explainable AI engine.