Your work counts.
Your data. Your control. More possibilities.
Verdaji helps you bring together information that reflects how you really work and earn, so financial institutions can better understand your financial reality when you need credit.
Coming soon to the App Store and Google Play.
You choose when to share.
The way you work has changed. Credit needs to change too.
Your life should not have to fit into a box.
- Work through an app or platform?Your income counts.
- Have more than one source of income?Your income counts.
- Run your own business?Your income and your business activity count too.
- Don’t have a traditional employment contract?That should not make you invisible.
- Don’t have a traditional employment contract or rental agreement?Other information can help show your financial reality more clearly.
- Have a limited credit history?A limited credit history does not mean limited capability.
Your financial reality deserves to be understood as a whole.
Verdaji helps show the fuller picture.
Credit that reaches where life actually happens.
- Essential purchases
The fridge that stopped working, the children’s beds, school supplies: what the family needs now, without turning to what costs far more.
- Keeping work going
The rideshare driver who needs new tyres, the manicurist restocking products, the small business that needs to keep serving customers.
- Tools of the trade
The freelancer’s laptop, the delivery rider’s phone, the creator’s equipment: what sustains income every day.
Examples of real situations. Verdaji does not grant credit: the decision always belongs to the institution responsible for the product.
How it works
Download. Authorise. Use it when you need it.
- 1DownloadDownload Verdaji to your phone and get started in minutes.
- 2AuthoriseYou choose, item by item, which information Verdaji may bring together. Your financial identity stays protected and under your control.
- 3Use it when you need itWhen you request credit, you choose to use your Verdaji — and only the information needed for that purpose enters the process.
The necessary information is transmitted securely to QNCaaS®, where it can be verified and analysed. ETHOS® helps assess affordability and suitability. The credit institution makes the final decision and, if approved, the funds may be made available to your account or through the relevant payment channel.
Coming soon to the App Store and Google Play.
Your devices
Verdaji with you.
On your phone to control your journey. On your wrist to keep up with what matters.
The app is the main experience. It is where you understand permissions, authorise information and choose when to use Verdaji. On your watch, you can follow your ETHOS® Score, status updates, reminders and important messages.
iPhoneMain experienceIn the app you authorise, review and choose when to use your information.
AndroidMain experienceThe same journey on Android: you decide item by item before authorising.
SmartwatchCompanion experienceYour ETHOS® Score, its trend and short updates in view, so you can keep up with what matters.
The more complete the information you choose to authorise, the more complete Verdaji’s view of your financial reality can be. This can help ETHOS® build a stronger representation of your financial reality. Verdaji uses only what each purpose requires and cannot show what it never received. You stay in control of what you authorise.
Your ETHOS® helps you understand and track your financial reality. It does not decide whether credit will be approved.
Illustrative Verdaji experience.
Need help?
Ask
Soon you will also be able to talk to Verdaji on WhatsApp about how it works, permissions, privacy and the progress of your journey.
No complicated language. Ask in your own way.
Hi! I need new tyres and wanted to understand how this works.
Hi! I can explain. In the store you show your Verdaji code and choose which information you want to share at that moment.
And who decides whether I can get it?
The decision is always made by the partner financial institution. I help you understand each step — and you decide what to share.
Ask Verdaji
What Verdaji is, how to download the app, permissions, privacy, security, how a credit request works, ETHOS®, QNCaaS® and who makes the final decision.
Sharing information for a request
To protect you, financial information and documents should only be shared through the Verdaji app — never through WhatsApp.
Your data
You choose.
You choose which financial information you authorise Verdaji to bring together for that purpose.
- You authoriseYou choose which financial information Verdaji is authorised to use, and you can clearly see what each permission allows.
- You know whyEvery request for information has a clear purpose, explained before you decide.
- You choose when to use itYour financial identity exists to work for you — when you need it.
The more complete, the truer the picture
The more complete the information you choose to authorise, the more complete Verdaji’s view of your financial reality can be. This can help ETHOS® build a stronger representation of your financial reality. Verdaji uses only what each purpose requires and cannot show what it never received. You authorise item by item, review whenever you want and can withdraw at any time. You stay in control of what you authorise.
Trust and security
Your data works for you. Not the other way around.
- You decideYou choose when to use and share your information.
- Only what is neededFor each purpose, only the information that is needed is used.
- ProtectedSecurity and encryption are part of the Verdaji architecture.
- TransparentYou understand what happens to your information and why.
Credit that fits
Credit needs to fit your life.
ETHOS® helps assess affordability and suitability so that the credit being considered makes sense for your financial reality.
The final credit decision is always made by the institution responsible for the product and depends on its own eligibility criteria.
The goal is not simply more credit. It is to help identify credit that is compatible with your reality.
When you need it
In store, you scan and choose to use your Verdaji.
Illustrative example.
Verdaji can also be with you at the moment of purchase.
At a participating store, you can use Verdaji to share only the information needed and allow participating credit institutions to understand more of your financial reality.
When options are available for your profile, you can compare them before deciding.
Been turned down before? That does not mean every institution will see you the same way.
With your authorisation, Verdaji can help participating institutions understand a more complete view of your financial reality. If compatible options are available, you can review them and choose what makes sense for you.
Approval depends on the criteria of each institution responsible for the credit product.
See your options
When options are available, compare before you choose.
- Option AMonthly paymentTermTotal cost and terms
- Option BMonthly paymentTermTotal cost and terms
Illustrative example.
ETHOS® helps assess whether the credit being considered is compatible with your affordability and your reality. The final credit decision belongs to the institution responsible for the product.
Technology
Powerful technology. Simple experience.
Behind Verdaji is QNCaaS®, O-Bainc®’s credit-intelligence infrastructure. It helps financial institutions better understand information authorised by the customer, with security, governance and a focus on more appropriate decisions.
Powered by
We build for people the system does not always see.
O-Bainc® created Verdaji because we believe the way a person works should not prevent the financial system from understanding their real capability.
Platform work. Self-employed. Small business. Multiple income sources. Informal work. Limited history. Your work counts.
Questions
Everything you need to know before using your Verdaji.
Still have a question?
No. Verdaji is technology designed to help you organise and use authorised information about your financial reality. Credit products are offered by the financial institutions responsible for them.
No. Verdaji helps make your financial reality easier to understand during a credit request. If credit is approved, it is provided by the financial institution responsible for the product.
The final decision is made by the credit institution according to its own criteria and eligibility requirements.
Verdaji is designed to use information according to the permissions and purposes presented to you.
That is not the model. For a specific purpose, only the necessary and authorised information should enter the process.
Verdaji is designed to keep your financial identity protected and under your control. Security, encryption and the use of only the information needed for each purpose are part of the experience.
ETHOS® is technology that helps understand affordability and suitability using available, authorised information. It does not replace the credit institution’s final decision.
The more complete the information you choose to authorise, the more complete Verdaji’s view of your financial reality can be, and this can help ETHOS® build a stronger representation of your financial reality. Verdaji uses only what each purpose requires and cannot show what it never received. Authorising everything is never mandatory: you choose item by item, and you can review or withdraw whenever you want.
QNCaaS® is O-Bainc®’s technology infrastructure behind Verdaji, supporting the secure verification and analysis of information needed for the process.
Verdaji was created to help financial institutions better understand modern and non-traditional forms of income and work. Use depends on service availability and the criteria of the institution responsible for the credit product.
No. Verdaji can help present a more complete view of your financial reality, but the final decision remains with the institution responsible for the credit.
Your work counts.
Have your financial reality ready for when you need it.
Coming soon to the App Store and Google Play.