Millions of small merchants — chai-walas, kirana stores, street vendors — process hundreds of UPI transactions every day. Yet they remain invisible to the formal financial system:
- 📵 No formal credit trail — Banks don't recognize UPI activity as proof of income
- 💸 No access to loans — Without a credit score, formal lending is out of reach
- 🏛 Missed government schemes — MSME subsidies and Mudra loans go unclaimed due to lack of awareness
BizCredit fixes this.
BizCredit is a decentralized financial intelligence layer that lives right on the merchant's phone — reading existing SMS data to build a verified financial identity from the ground up.
UPI SMS → Parse → BizCredit Score → Loan & Scheme Discovery → Action
No bank login. No PDF uploads. No friction.
| Feature | Description |
|---|---|
| 📊 Real-time Credit Scoring | Dynamic BizCredit Score (out of 900) updated with every transaction |
| 💰 Smart Loan Marketplace | Eligible loan products ranked by your score |
| 🏛 Government Scheme Discovery | Personalized MSME, Mudra, and subsidy recommendations |
| 📈 Analytics Dashboard | Visualize cash inflow, outflow, and net stability |
| 📄 Shareable Income Statement | One-tap professional financial summary for lenders |
| 🔔 Smart Notifications | Real-time alerts for eligibility spikes and score changes |
| Dashboard | Analytics | Loans | Schemes |
|---|---|---|---|
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| Layer | Technology |
|---|---|
| Frontend | Android (Kotlin, Jetpack Compose, Material 3) |
| Backend | Node.js + Express (REST API) |
| Database | Supabase (transactions & user profiles) |
| Discovery | Serper.dev (live Google Search integration) |
| AI | Gemini 2.5 Flash-Lite (parsing & personalization) |
1. READ → App reads incoming UPI SMS filtered by bank headers
2. PARSE → Node.js backend extracts merchant, amount, and credit/debit type
3. SCORE → Additive behavioral logic generates a BizCredit Score out of 900
4. DISCOVER → Backend queries Serper for live schemes, filtered by Gemini
5. NUDGE → Local notifications fire when eligibility thresholds are crossed
cd backend
npm install
# Set up environment variables
cp .env.example .env
# Add your SERPER_API_KEY and GEMINI_API_KEY
npm start- Open the project in Android Studio Hedgehog or later
- Connect a physical device or emulator
- Update
BASE_URLinSmsRepository.ktto your local machine IP - Hit Run
▶️
- Account Aggregator (AA) API integration for deeper verification
- Multi-lingual UI — Hindi, Tamil, Telugu, and more
- On-device ML scoring for 100% privacy-first operation
- Direct lender partnerships for instant disbursement
Zero Friction — Works entirely on existing SMS. No new accounts. No documents.
Financial Inclusion — Designed specifically for underserved Bharat.
Proactive Intelligence — Doesn't just show data; it finds money for the user.
T Mohamed Yaser — Developer & Designer
Built with ❤️ for CodeQuest Hackathon 2026, because every chai-wala deserves a credit score.
