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 Proof of Existence

Traditional frameworks demand formal registration, financial statements, and collateral. MetriqOne asks a different question: Can we prove this business exists and operates, using only what the business already does?

Daily Signal

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Weekly Report

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Cumulative Dossier

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Institutional Proof

No smartphone required at capture. Paper + QR works offline. PWA records GPS, timestamp, and photo when connected.

Every business day, the operator answers simple yes/no questions. Each answer is a Performance Indicator (PI). Over a week, they form a pattern. Over months, they become proof.

Stable Watch At Risk

Core 3 — Always Present

Stability Safety Continuity

Liquidity · Downtime · Retention · Governance

Extended 3 — Growth Phase

Capability Actor Orientation Process Flow

Innovation · Trust · Efficiency · System Integrity

PI Scaling by Business Maturity

9 Micro Starter

27 Micro Mature

54 Medium / Large

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.