OpenNilai scores people, not paperwork. We bridge the gap between hard-working global citizens and the credit they deserve.
We connect fragmented financial data across corridors, allowing cross-border credit mobility for the first time in history.
Trust Continuity
Port your credit history to new countries instantly.
Rapid Scoring
Real-time behavioral assessment in < 1 minute.
“From rejected to approved in 14 days. OpenNilai understood my income from home and abroad.”
+142 pts improvement“I finally own my first motorcycle for commute. I never thought a bank would listen to me.”
+89 pts improvement“My score grew with every delivery. OpenNilai saw my consistency when legacy banks saw nothing.”
+215 pts improvementOur core business model is aligned with the UN Sustainable Development Goals.
Lives lifted from extreme poverty through accessible emergency credit and small business loans.
Increase in financial stability for gig economy workers using OpenNilai for official credit reporting.
Total volume of inclusive capital unlocked for previously unscorable migrant worker populations.
Partner with OpenNilai to build financial access for millions who have been left behind by legacy systems.