360-degree index weight system - personal risk DNA, by assessing the repayment capacity, credit level and fraud risk to evaluate personal risk. By adding in business modules including social network, LBS track, health risk as well as assisted by blockchain passport, Haoxin Armor, micro-expression facial signature and so forth to accurately detect all types of fraud.

KYR system allows for risk information sharing and provides multiple applications, such as alert on excessive amount of loans made by borrowers with multiple institutions, false address alert, judgment of affiliated person or low credit individual, micro-expression face-to-face interview fraud recognition functions etc.