A new and digitalised platform for those transactions that happen over informal credit. The informal credit market mounts upto $500 billion in India alone. All of that market completely untapped and unregulated. This was my personal innovation project which garnered appreciation from my mentors and team leads at HDFC. This product streamlines the flow, organises it and makes the flow much more easy to understand and use the services. It works on the hypothetical situation where CIBIL could be implemented for the informal credit sector. This also comes with some AI integrated features to help you make better decisions.