Monetize qualified customer leads and excess opportunities you cannot fulfill. Verified institutions purchase high-intent, consent-backed introductions with zero personal data leakage.
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Deterministic FSM
V1 Intake Guard
Double-Entry Ledger
Pre-configured routing schemas, deterministic qualification filters, and automated branch matching.
Secured high-ticket property loans from ₹25L to ₹5Cr+. Matches providers by commercial/residential property types, locality, and verified CIBIL tiers.
Immediate 24-hour liquidity against physical gold ornaments. Features hyper-local radius matching routing to branches within <5 km.
B2B project delivery covering custom engineering, cloud migrations, and AI/ML deployments. Matches buyer briefs with verified agency specialization badges.
The platform controls the introduction lifecycle, but the customer retains complete ownership of their data.
Affiliate submits non-PII qualification attributes. Customer PII is encrypted and sealed in the Identity Vault.
Customer receives OTP notice, verifies terms, and grants auditable, tamper-evident consent under DPDP 2025.
Opportunity is broadcast on the exchange showing only scores, ticket bands, and city. Zero PII is visible.
Verified buyer pays introduction fee via double-entry wallet. Funds are held in escrow pending customer approval.
Customer approves buyer introduction. Identity Vault decrypts contact data exclusively to the verified provider.
Non-PII marketplace card projections. PII release is strictly gated behind verified wallet purchase and customer acceptance.
| Ref ID | Vertical | Location | Ticket Size Band | Score | Intro Fee | Status | Action |
|---|---|---|---|---|---|---|---|
OPP-LAP-9481 |
Loan Against Property | Mumbai (MH) | ₹1.20 Cr - ₹1.50 Cr | 94/100 | ₹2,500 | PUBLISHED | Purchase Intro |
OPP-GLD-3184 |
Gold Loans (Urgent) | Bangalore (KA) • <3km | ₹4.50 L - ₹6.00 L | 98/100 | ₹500 | PUBLISHED | Purchase Intro |
OPP-ITS-7019 |
IT Services (Cloud/DevOps) | Hyderabad (TG) | ₹25.0 L - ₹40.0 L | 91/100 | ₹4,000 | PUBLISHED | Purchase Intro |
OPP-LAP-5520 |
Loan Against Property | Pune (MH) | ₹65.0 L - ₹80.0 L | 88/100 | ₹1,800 | IN REVIEW | 🔒 Gated |
Registered partner institutions monetize excess customer opportunities they cannot fulfill. Submit opportunities via standard domain templates through the PWA screen or CLI. Receive 50% referral bonus when utilized and client DPDP consent is verified.
HDFCB-MUM001-AGT099 • BAJAJ-PUN004-PER102 • KOTAK-BLR002-DSA001.
Guarantees immediate attribution to the exact parent institution and originating branch officer.
Customer data sovereignty is non-negotiable. Customers retain 100% legal ownership of their identity; the platform and verified buyers operate solely under revocable, explicit, and audited consent.
Strict prohibition against cold-calling, robocalls, and unsolicited promotional spam. Buyers are legally barred from contacting consumers unless the consumer affirmatively completes an OTP-verified introduction request.
Consent is never permanent. Customers can withdraw introductory authorization instantly at any time via a 1-click SMS or Web link. Revocation immediately terminates buyer contact authorization and invalidates active vault tokens.
Every consent lifecycle event (grant, scope, buyer unlock, revocation) is stamped with a cryptographic SHA-256 hash and committed to an append-only PostgreSQL ledger for verifiable audit readiness under DPDP Section 6.
Intake schemas strictly reject raw Aadhaar, PAN cards, bank account credentials, tax returns, and property deeds in V1. Financial qualification uses aggregated score bands, eliminating centralized identity honeypots.
Institutional buyers purchase high-intent introductions with total capital security. Double-entry escrow holds all transaction funds until contact validity is established, backed by our deterministic 72-Hour Quality SLA.
If an introduced customer cannot be reached after 3 verifiable attempts within 72 hours, or explicitly confirms they made no inquiry, 100% of the introduction fee is automatically credited back to your platform wallet.
Introduction fees are never released prematurely to affiliates. Capital is isolated in double-entry escrow balances on our immutable ledger. Settlement only occurs upon verified customer engagement or SLA expiration.
Customer contact coordinates are evaluated using keyed HMAC-SHA256 tokens upon intake. Zero duplicate referrals can enter the marketplace within 90 days, eliminating recycled leads and overlapping provider calls.
Leads within 24 hours of consent are active Hot Opportunities with affirmative DPDP consent to share details across accredited lending partners. Sold at premium, delivered instantly, and accepted strictly as-is.
Deterministic rules: Hot leads and Cold As-Is leads are accepted as-is. Tri-Party Recorded Conferences guarantee 100% full refund if lead is no longer interested.
Active multi-partner consent within 24h. Charged at premium pricing with immediate coordinate reveal. Strictly non-refundable as-is.
Available at discounted fee up to 90 days. Coordinates revealed immediately. Buyer accepts lead strictly as-is with no refund.
Buyer connects via recorded 3-way warm transfer bridge with lead and originator. Certified transfer upon affirmative confirmation.
During the recorded conference call, if customer is no longer interested, 100% full fee is refunded to buyer wallet instantly. The only refund scenario.
OPPX is a verified institutional exchange. Every participating buyer undergoes rigorous 4-Tier compliance and solvency verification before acquiring customer routing privileges.
Deterministic validation against the Ministry of Corporate Affairs (MCA) database. Verification of active Corporate Identification Number (CIN) or LLPIN, registered corporate headquarters, and verified GSTIN filing.
Active registration verification with Indian statutory regulators: RBI NBFC Certificate of Registration, Scheduled Commercial Bank license, or SEBI Intermediary credentials. For IT agencies: ISO 27001/SOC 2 or Dun & Bradstreet rating.
Pre-funding mandate ensures buyers maintain dedicated escrow cash reserves prior to purchasing introductions. Eliminates delayed receivable reconciliations, payment disputes, and default liabilities.
Mandatory corporate execution of the OPPX Institutional Data Processing Addendum (DPA), active Data Protection Officer (DPO) registration, and compliance with statutory purpose limitation and consent revocation hooks.
No arbitrary tier deductions, no 90-day waiting cycles, no clawbacks. Affiliates receive a guaranteed 70% share of the introduction fee credited directly to their double-entry wallet upon 72h SLA clearance.
[✓] Commission is calculated deterministically: 70% Affiliate Share and 30% OPPX Escrow & Routing.
Deterministic baseline rates across all official exchange verticals.
| Vertical Asset Class | Typical Deal Band | Introduction Fee | Affiliate Payout (70%) | OPPX Platform Fee (30%) | Settlement SLA |
|---|---|---|---|---|---|
| Loan Against Property (LAP) | ₹25 Lakh — ₹5 Crore+ | ₹2,500 | ₹1,750 | ₹750 | 72h SLA / Instant |
| IT & Software Services (ITS) | ₹5 Lakh — ₹1 Crore+ | ₹4,000 | ₹2,800 | ₹1,200 | 72h SLA / Instant |
| Gold Loans (GLD) | ₹50,000 — ₹15 Lakh | ₹500 | ₹350 | ₹150 | 72h SLA / Instant |
| Custom Enterprise Referrals | Negotiated / High-Volume | Custom Tier | 70% of Fee | 30% of Fee | 72h SLA / Instant |
Constructed from the ground up for strict privacy, DPDP compliance, and zero vendor lock-in.
Intake schemas strictly reject PAN, Aadhaar, bank account numbers, salary slips, or property deeds in V1.
AES-256-GCM authenticated encryption with unique IVs, 128-bit auth tags, and customer AAD binding.
Immutable PostgreSQL append-only ledger prevents duplicate credits, negative balances, and unauthorized fees.
Non-blocking Redis Stream XADD pipeline with automatic PII scrubber feeds isolated analytics DB.
Runs on multi-container Docker Compose under 2GB RAM. Predictable flat monthly hosting rate.
Production on oppxchange.com (HTTPS). Staging on staging.oppxchange.com strictly IP-whitelisted.