For financial institutions
HACS does not replace alternative credit scoring; it includes it. It uses telecom, utility and open-banking sources as they are, then adds verifiable proofs that borrowers hold and present themselves. Licensed as a score, it fits straight into your existing underwriting.
What changes
| Dimension | Traditional credit scoring | Alternative credit scoring | HACS |
|---|---|---|---|
| What it looks at | Loan and card repayment history | + Telecom, utility and bank cash flow | + Issuer-signed proofs presented by the borrower |
| With no history | Cannot score · rejected | Scored only with an institutional contract | Scored once the borrower brings proof |
| Entering a new market | Contract with that country’s credit bureau | New contract per institution, per country | The contract path, plus a second path: issuer registration |
| Crossing borders | Not possible | Practically not possible | Borrower-held proofs travel with the borrower |
| Cross-verification | Single source | Independent per source · no cross-check | The same fact checked against both a presented proof and institutional observation |
| How the borrower improves | Only by borrowing and repaying | None | Shows how much each proof would add |
What you get
Badge-driven marketplace
Lenders register their underwriting criteria (target level, required badges, region, amount, rate), and their products are shown only to borrowers who match. Institutions stop wasting underwriting effort, and borrowers never see lenders that would turn them down.
| Level | Required badges | Products shown | What the borrower gets |
|---|---|---|---|
| Level 1 · Identity | ID document + proof of residence (L2) | Small-ticket products | Access to a first loan |
| Level 2 · Income | + Employment and income verification | Mid-size products · more lenders | Higher limit · lower rate |
| Level 3 · Assets | + Asset verification | Large products · the most lenders | Lowest rate band |
Revenue comes from loan origination fees, application referrals, evidence queries, and badge issuance and verification.
Products are ranked in the order that favors the borrower. The fees we earn are excluded from the ranking, and the basis of the ranking is shown to the borrower.
The issuer registry, repayment data and the badge wallets borrowers have already built grow together.
Partner ecosystem
Adding a partner is a registration, not a code change. Issuers integrate by being listed on the trust list; relying institutions, by registering a client.
More partner issuers mean more kinds of credentials, and more trust in them;
more verified proofs mean more accurate assessment of people with thin credit files;
and the institutions using the score, and the delivery formats (API · signature · ZKP · PDF), expand together.
For data providers
Tenure · regularity of bill payments
On-time utility payment rate · months observed
Cash-flow stability · income regularity
Purchase consistency · dispute rate
Business registration · tax payment history
Conscientiousness assessment (auxiliary signal)
Regularity of inflows and spending · QR payment behavior
Mutual-aid guarantees
Embed anywhere
HACS is an embedded credit engine that ships built into SuperWallet, running in production as a home widget, score details and a tier QR. It goes into super apps and fintech services such as Zalo Mini App the same way.
Built on standard web technology, it runs as is on WebView-based mini-app platforms. Score widget · onboarding · consent screens in one package.
Connects to your accounts with OIDC authorization code + PKCE, and uses a different anonymous ID per institution to block user tracking.
Score gauge · credit tier · reason-code UI in your brand, or take just the API and build your own UI.
Built for ASEAN
Centered on Laos and Vietnam, we first complete the cycle with one issuer · one lender · one product · a homogeneous population, then expand. Amounts are converted by each country’s income level, and credit limits run in local currency.
Enrollment and graduation badges open Level 1, and repaid-loan badges raise the score.
When graduates find jobs and gain employment verification, Level 2 opens and bank cash flow is added to the score.
A dedicated agriculture pack using revenue per crop cycle · recovery against input costs · maturities matched to harvest.
The same borrower receives multiple offers and lenders start competing on terms. The borrower picks the better terms.