SABHI

Decentralized Identity and Lending Platform

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Sabhi is an end-to-end protocol for identity attestation, credit scoring and value assessment for Micro, Small and Medium Enterprise (MSMEs).

Sabhi allows both traditional and digital asset lenders to serve the millions of MSMEs that do not have access to finance. Sabhi assesses the financial viability of Micro, Small and Medium Enterprise (MSMEs) through attestation-based identity management and the creation of a decentralized peer-to-peer and organizational vouching (“reputation staking”) network.

 
PROBLEMS

MSME Finance

MSMES CAN NOT PROVE THEIR BUSINESS IDENTITY

MSMEs in developing countries lack the proper documentation and records to prove the existence and viability of their businesses. This severely curtails their access to finance from the formal sector.

MSMES LACK A FORMAL CREDIT SCORE

Credit systems rely on historical debt repayment information and therefore cannot easily accommodate users who are new to credit. This is especially prevalent among minorities, the underbanked, and the youth

LENDERS CAN NOT ASSESS MSME BUSINESS VIABILITY

Borrowers in markets with less developed financial infrastructure and limited public data struggle to access credit as lenders have limited identity and business data to base credit decisions.

Sabhi protocol

Sabhi protocol allows lenders to extend credit to individuals and institutions operating in markets with underdeveloped or immature identity and credit infrastructures.

There are three components of the Sabhi protocol:

SABHI

Shanakht

SabhID lets users establish a global identity with third parties who publicly vouch for their identity information and status.

Sabhi

Zamanat

The SabhiScore is a metric of an MSMEs creditworthiness. This decentralized score is based on an MSME’s business network and operations.

SabhI

Baseerat

SabhIQ is a system for reporting and tracking MSME viability by combining data tied to SabhIDs with off-chain market data and analytics.

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© 2018 by SABHI.