MetriqOne · Operational Evidence

Evidence without Judgement

For businesses that banks and governments cannot see — until now.

The Problem

97% of ASEAN businesses are micro, small, or informal. They have no audited books, no tax ID, no credit history. To a bank or government registry, they are invisible — even when they operate faithfully every day.

97% MSME Share

80% Informal

0 Patunay ng Pag-iral

Ang mga tradisyunal na balangkas ay humihingi ng pormal na rehistrasyon, mga pahayag ng pananalapi, at kolateral. MetriqOne ay nagtatanong ng kakaibang tanong: Maaari ba nating patunayan na umiiral at tumatakbo ang negosyong ito, gamit lamang ang mga bagay na ginagawa na ng negosyo?

Araw-araw na Senyales

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Lingguhang Ulat

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Kumulatibong Dossier

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Institusyonal na Patunay

Hindi kailangan ng smartphone sa pagkuha. Gumagana ang papel + QR offline. Nire-record ng PWA ang GPS, timestamp, at larawan kapag nakakonekta.

Sa bawat araw ng negosyo, sinasagot ng operator ang mga simpleng tanong na oo/hindi. Bawat sagot ay isang Performance Indicator (PI). Sa loob ng isang linggo, bumubuo ang mga ito ng isang pattern. Sa loob ng mga buwan, nagiging patunay ang mga ito.

Matatag Watch Nanganganib

Pangunahing 3 — Laging Naroroon

Stability Safety Pagpapatuloy

Pagkatubig · Oras ng Pagtigil · Retensyon · Pamamahala

Pinalawig na 3 — Yugto ng Paglago

Kakayahan Oryentasyon ng Aktor Daloy ng Proseso

Inobasyon · Tiwala · Kahusayan · Integridad ng Sistema

PI Pag-iskala ayon sa Pagkamature ng Negosyo

9 Mikro Nagsisimula

27 Mikro Mature

54 Katamtaman / Malaki

Below is an actual weekly evidence output — generated from field data captured by a Member Operator through a local Node Business. No smartphone required at point of capture.

Green

Revenue > expenses 6 of 7 days revenue exceeded expenses.

Amber

Stock replenished Supply delay logged mid-week.

Amber

All obligations met One obligation unmet — reason documented.

Green

Safe conditions No safety incidents recorded this week.

Green

Records updated Records maintained consistently all 7 days.

Green

Operation opened Opened all 7 days without exception.

71% Positive Rate

6/9 Green Signals

3 Amber Flags

Every entry traces to a signed, dated field capture. GPS-tagged. Timestamped. Photo-corroborated. QR-verifiable.

The same weekly evidence that keeps a business owner informed becomes, over time, institutional proof — without the business ever doing extra work for a bank or government.

For the Business Owner

Know your health before problems kill you. Two minutes a day. Works offline. No accounting degree needed.

For the Cooperative / MFI

See amber signals 6–8 weeks before default. Portfolio monitoring that actually monitors.

For Government Registry

Proof of existence without demanding formal registration first. Designed to align with UBIN's data standards.

For Development Finance

Pre-signal thresholds on sovereign commitments. Distinguish genuine delivery from stalled intent.

Evidence without Judgement

MetriqOne is running now — not proposed. From a single cooperative to a cross-regional programme portfolio.