Repo ID: Your MarketReputation, Digitized.
A single, permanent digital identity that carries your creditworthiness across every lender, shop, and market in India.
Generate Your Repo IDWhat is a Repo ID?
A Repo ID (Reputation Identity) is your permanent digital identity card in the unorganized lending ecosystem. Think of it as your financial Aadhaar — a single identifier that every lender trusts, linked to verified KYC and your behavioral credit score.
Lifetime Validity
One Repo ID stays with you forever. No renewals, no expiry.
KYC-Verified
Linked to government-verified identity via Aadhaar-based OTP authentication.
Privacy First
Your data is encrypted. Only you control who can access your information.
Universal Recognition
Recognized across all lenders on the Apni Saakh network — local and national.
Score-Linked
Directly connected to your Tektic LLS (Lending Loyalty Score) for instant credibility.
Lifetime Validity
One identity for life. Connected to your verified KYC profile permanently.
The Secret KeyPrivacy Protocol
Total Control. Absolute Privacy.
Every Repo ID comes with a cryptographic Secret Key — a unique 6-character code that only you know. Without this key, your identity and score data remain completely inaccessible. Not even Apni Saakh can view your data without your explicit consent.
When a lender wants to check your score, you share your Secret Key with them. They enter it alongside your Repo ID to temporarily decrypt and view your score. This gives you absolute control over who accesses your data.
How it works:
You → Share Secret Key with lender → Lender enters Repo ID + Key → Score decrypted & displayed → Session expires automatically
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Example Secret Key format
Zero-knowledge architecture means your data is encrypted at rest and in transit.
How It is Generated
Three simple steps to create your lifelong digital identity.
Aadhaar Verification
Enter your Aadhaar number. We initiate a secure, encrypted verification request.
OTP Authentication
Receive a one-time password on your Aadhaar-linked mobile. Enter it to confirm your identity.
Repo ID Generated
Your unique, lifetime Repo ID is instantly created and linked to your verified KYC profile.
Aadhaar → OTP → Repo ID — that's all it takes.
Start Now — It's Free