Know Yourself. Identity and credit, made fair.
OneScore is Eswatini's credit bureau and identity register: one verified profile for every adult, one fair score that anyone can understand, and one connection for every lender.
Eight promises we keep
Free for citizens, always
Seeing, updating, disputing and freezing your record costs nothing.
Your yes before your data
No lender sees your record without your approval, except where the law requires it, and those requests are logged.
No surprises
You are told when your file changes, and before anything negative becomes visible to others.
The full picture, a fair score
Good payments count as much as bad ones. People with no loans can still earn a score.
Whoever lists it, clears it
The lender that places a negative listing is responsible for correcting or removing it.
No blacklisting over small debts
Amounts below a set level are never listed, a lesson from Kenya.7
Nobody pays us to send you to a lender
We earn nothing for steering anyone towards a lender.
Your data stays in the region
Processed in Eswatini, with a backup in another SADC country.
Our approach follows the World Bank's General Principles for Credit Reporting.8
Who OneScore connects with
The organisations OneScore is built to work with, and the part each plays.
| Organisation | Role |
|---|---|
| Ministry of Home Affairs | National identity records used to confirm who people are. |
| Banks, building societies and mobile money operators | Members who share and use credit data. |
| Microlenders, retail credit providers, SACCOs and insurers | Members who share and use credit data. |
| EWSC and EEC | Water and electricity payment history, by customer upload today and direct links later. |
| EPTC / SwaziPost | Postal records and help with enrolment at post office counters. |
| Central Bank of Eswatini and FSRA | Oversight of credit reporting and the bureau registration route. |
| Eswatini Data Protection Authority | Oversight of how personal data is handled.9 |
Apex Global Group
A technology company in Mbabane. Apex designs, builds, secures and runs digital systems for organisations across software, cloud, connectivity, fintech and cybersecurity.
- LeadTewodros A. Asfaw
- CompanyApex Global Group (Pty) Ltd · Reg. R7/74610
- AddressMbabane, Kingdom of Eswatini
- Webapexglobal.it
The six Apex teams behind OneScore
- Software engineering and productThe citizen app, the lender portal and the scoring service.
- Cloud and platform engineeringHosting in Eswatini, with recovery elsewhere in SADC.
- Cybersecurity and assuranceEncryption, access control, audit and testing.
- Network and connectivitySecure links to lenders and enrolment counters.
- Fintech and digital paymentsCredit data standards and lender integration.
- Systems integration and dataConnections to identity, utility and lender systems.
Where our figures come from
Every figure on this site comes from a public source.
- FinMark Trust — FinScope Consumer Survey Eswatini 2018
www.finmark.org.za - Ministry of Finance / AFI — Eswatini National Financial Inclusion Strategy 2023–2028
www.afi-global.org - BIS — Central Bank of Eswatini Governor's statement (June 2026)
www.bis.org - BIS — Central Bank of Eswatini, National Fintech Strategy launch (Dec 2025)
www.bis.org - World Bank — Doing Business 2020: Eswatini economy profile
subnational.doingbusiness.org - Eswatini Observer — Private sector credit, May 2026
www.eswatiniobserver.com - Capital FM — CBK suspends listing of CRB borrowers owing less than Sh1,000
capitalfm.africa - World Bank — General Principles for Credit Reporting (2011)
documents1.worldbank.org - Africa-Press — EDPA data controller registration (2025)
www.africa-press.net
Be part of it.
Join as a citizen, bring your institution on board, or talk to us about partnering with OneScore.