1.6 billion underbanked people are living in 85 countries across the world. Digital lenders and fintech companies are bridging the gap by accelerating access to finance for the unbanked; however, access to credit is still a massive barrier due to a lack of credit scores. CARMACHAIN brings together alternative credit data under a single API and delivers it to lenders so they can assess underbanked thin-file borrowers. CARMACHAIN is a one-stop data shop for lenders and often the only way to find 360-degree data of individuals in underbanked markets. Data contributors are encouraged to share their data receiving rewards, which turns them into a true revenue-generating asset.