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MSME Credit Revolution with OCEN — India's Next UPI Moment
UPI rewired how India pays. OCEN is about to rewire how India lends.
For the 63 million MSMEs that power India's economy, credit has always been the hardest problem — too slow, too collateral-heavy, too disconnected from how businesses actually operate. OCEN changes the rules: embedded, cash-flow-based, API-native lending built into the platforms where MSMEs already work.
In this session, we'll unpack what OCEN really means for the lending stack — how the Loan Agent Network, Credit Protocol, and AA-powered cash flow underwriting come together to create financing that meets MSMEs where they are. We'll look at where the opportunity lies for fintech builders, platform operators, and NBFCs, and why the window to build on this infrastructure is open right now.
Whether you're a founder, a product builder, a lender, or just someone who believes India's MSME credit gap is a solvable engineering problem — this one's for you.
What we'll cover:
The OCEN architecture: LSPs, LAs, lenders, and the protocol layer
Cash flow underwriting vs. collateral — why it matters for MSMEs
TReDS, ONDC, and OCEN as a converging financing stack
Real-world implementation patterns and what's still hard
Open floor: builder conversations and what to build next
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