Move beyond legacy credit systems. OpenNilai bridges the gap between your real-world financial activity and your credit worthiness.
The modern economy lives across many platforms. Securely link your bank accounts, e-wallets, and utility providers via encrypted APIs. We use AES-256 to keep your data private.
SUPPORTED DATA SOURCES
Our proprietary AI analyses cash flow patterns, utility payment consistency, and economic activity to build a 360° view of your financial reliability — not just your debt history.
Receive a transparent OpenScore reflecting your true potential. Use it to access better loan rates, rental agreements, and credit products from our verified partner network.
Score Dashboard
Full breakdown of all scoring pillars
Income Passport
Blockchain-verified income document
Lender Match
Pre-matched offers based on your score
| Criteria | Traditional Credit | OpenNilai OpenScore |
|---|---|---|
| Primary Data Source | closeCCRIS/CTOS (debt history only) | check200+ alternative signals |
| Employment Required | closeFormal employment required | checkInclusive for freelancers & gig workers |
| Transparency | closeBlack-box, no explanations | checkExplainable AI with actionable tips |
| Processing Speed | closeDays to weeks | checkInstant real-time updates |
| Gig Worker Coverage | closeNot addressed | checkBuilt specifically for gig economy |
| Foreign Worker Support | closeNot supported | checkMulti-country scoring |
| Blockchain Verified | closeNo | checkYes — Polygon-backed audit trail |
Join 120,000+ users building their financial identity beyond legacy systems.