See OpenGrade in Action
Follow the complete journey — from creating a financial check to delivering a trust score.
12 screens · 2 flows · 3 perspectives
Client Dashboard
Client PortalThe client's home base. View all active checks, track scores at a glance, monitor token balance, and manage rescore schedules.
My Checks
| Label | Score | Status | Rescore |
|---|---|---|---|
| Freelancer — Project Alpha | ●82 | Completed | Monthly (next: Mar 24) |
| Loan Applicant — M. Cohen | ●55 | Completed | — |
| New Hire — S. Katz | — | Bank Auth | — |
| Contractor — D. Levi | — | Pending | — |
| Supplier — R. Amir | — | Expired | — |
Create Check
Client PortalInitiate a new financial check by entering the applicant's email, a descriptive label, and an optional rescore schedule. Token cost is estimated upfront.
Create New Check
1 token per data basket fetched from the bank. Actual cost depends on baskets available.
A verification link will be sent to the applicant's email address
Email Invitation
Applicant ExperienceThe applicant receives a branded email explaining the check request and inviting them to start the verification process. Clear privacy messaging builds trust.
From: noreply@opengrade.io
Subject: Financial Check Request from [Client Name]
[Client Name] has requested a financial check through OpenGrade.
To proceed, click the button below to verify your email and securely authenticate with your bank. Your financial data will be analyzed to generate a trust score.
Your raw financial data is never stored. Only the resulting score is retained.
Powered by OpenGrade
Email Verification
Applicant ExperienceThe applicant verifies their email with a 6-digit OTP code and confirms a legal attestation declaring they are the bank account holder.
Verify Your Email
Enter the 6-digit code sent to t***t@email.com
This declaration is legally binding
Bank Authentication
Applicant ExperienceThe applicant selects their bank and grants consent through the institution's native PSD2 consent screen. The Hebrew interface appears exactly as the bank presents it.
Select Your Bank
אישור גישה למידע פיננסי
OpenGrade מבקשת גישה לנתונים הבאים:
Score Result
Two perspectives on the same score. The client sees a detailed breakdown with contributing factors. The applicant receives an email notification with their result.
Score Result
Green — Financially Stable
Freelancer — Project Alpha
Contributing Factors:
- ● Stable monthly income — Strong
- ● Consistent recurring payments — Strong
- ● Healthy savings balance — Good
- ● Moderate credit utilization — Good
- ● No risk flags detected — Good
Your Score Result
Green — Financially Stable
This score was generated on Feb 24, 2026
Requested by: Client (Project Alpha)
Contributing Factors:
- ● Stable monthly income — Strong
- ● Consistent recurring payments — Strong
- ● Healthy savings balance — Good
- ● Moderate credit utilization — Good
- ● No risk flags detected — Good
Questions? Contact support@opengrade.io
Expired / Declined
Client PortalWhen an applicant doesn't complete verification within 48 hours or declines bank authentication, the client sees a clear status with recovery options. No tokens are consumed.
Supplier — R. Amir
The applicant did not complete verification within 48 hours.
No tokens were consumed — charges apply only after bank data is fetched.
Contractor — Y. Ben David
The applicant declined bank authentication.
No tokens were consumed — charges apply only after bank data is fetched.
Consent Expired
Client PortalWhen a recurring check's PSD2 bank consent expires (typically after 90 days), the system alerts the client and sends a re-consent link to the applicant automatically.
Freelancer — Project Alpha
Green — Financially Stable
Last scored: Feb 24, 2026
Connection active since Nov 25, 2025 — expired after 90 days
The applicant's PSD2 bank consent has expired. A re-consent link has been automatically sent to their email.
Previous scores remain valid. New rescores require the applicant to re-authenticate with their bank.
Insufficient Tokens
Client PortalWhen the client's token balance is too low for a new check, they're shown available token packs and prompted to purchase before continuing.
You need at least 1 token to create a check. Purchase a token pack to continue.
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Companies embed OpenGrade checks directly in their signup flow via API. No email invitation — the user is redirected through attestation + bank auth and back to the company's site.
API Integration
Company BackendThe company's backend creates an embedded check via API during their user registration flow. OpenGrade returns a check URL to redirect the user to.
{
"applicant_email": "sarah@example.com",
"label": "Signup #4821",
"callback_url": "https://lendify.io/signup/callback",
"metadata": { "signup_id": "4821" }
}{
"check_id": "chk_f7a2b9c4",
"check_url": "https://opengrade.io/verify/f7a2b9c4",
"expires_at": "2026-02-28T14:00:00Z"
}Financial Verification
To complete your application, we need to verify your financial standing through OpenGrade.
Attestation & Bank Auth
User ExperienceThe user is redirected to OpenGrade for legal attestation and bank auth. No OTP step — the company has already verified their identity. After bank auth, the user is immediately redirected back.
Financial Verification
Requested by Lendify
sarah@example.com
Your identity was confirmed during the Lendify signup process.
This declaration is legally binding
After bank auth, you'll be redirected back to Lendify
Webhook & Score Delivery
The user is redirected back to the company immediately after bank auth. The score is computed asynchronously and delivered via webhook. The company's page shows a brief processing state, then the result.
Analyzing your financial data...
This usually takes a few seconds
Waiting for OpenGrade score
Verification Passed
Your financial standing has been confirmed
{
"event": "check.completed",
"check_id": "chk_f7a2b9c4",
"metadata": { "signup_id": "4821" },
"result": {
"score": 78,
"traffic_light": "green",
"factors": ["Strong income stability", "Healthy balance trend"],
"confidence": "high"
}
}