Transparent due diligence framework
Investment Risk Assessment Methodology

How Onucrom evaluates risk, legal enforceability, and operational feasibility for private Bangladeshi investments without interrogation tactics.

1. Structural Philosophy

Private market investing in Bangladesh lacks structured disclosure requirements. Most retail investors fall victim not because they lack financial literacy, but because scam offerings exploit psychological gaps—urgency, social proof, and unbacked guarantee claims.

Non-Interrogative Design

Instead of demanding 100 deep financial line items, we evaluate 20–25 structural anchor points that unravel 95% of fraudulent deals.

Qualitative Assessment

Numbers can be manufactured on paper. We prioritize entity legitimacy, legal recourse pathways, and capital flow logic over unverified spreadsheets.

2. The 4 Evaluation Pillars
Pillar I: Legal Recourse & Entity Validation

Evaluates if a legal entity actually exists (RJSC registration) and whether an investor has enforceable legal standing (300 BDT stamped agreements vs. plain paper or verbal promises).

Pillar II: Economic & Yield Reasonability

Compares return promises against macro benchmarks (10-Yr Bangladesh Treasury Yields, Commercial Bank Loan rates). High fixed returns with immediate monthly payouts are structural Ponzi indicators.

Pillar III: Behavioral & Sales Tactics

Scans for high-pressure sales loops, referral multi-level marketing structures, anonymous founder profiles, and personal account capital collection (MFS/Personal Bank vs Corporate Accounts).

Pillar IV: Operational Reality & Mitigation

Checks for underlying asset insurance, verified physical sites, audited financial records, and single-dependency risks.

3. Signal Classification & Mitigant Logic
Signal Level Trigger Condition System Guidance & Actionable Mitigants
GREEN (Positive) Pvt Ltd Entity, Stamped Agreement, Audited Accounts, Gestation Period. Highlights strong operational foundation and transparent legal protections.
YELLOW (Caution) Sole Proprietorship, High Return (>20%), Unvisited Site, Personal Account. Provides specific verification actions to resolve uncertainties before transferring funds.
RED (Warning) Unregistered Deposit Taking, Guaranteed Equity, Social Urgency, Personal MFS pooling. Throws critical warnings and insists on mandatory deal mitigants (or walking away).