BIK Polish Credit Bureau

introduces a platform for digital document management and distribution saving money for major corporations



BIK was working on a sectorial solution for the Polish banking sector which would replace the expensive distribution of documents on paper or CD to end customers with a digital process, ensuring the integrity and non-repudiation of documents along with a fully digital communication between banks and customers in compliance with regulations.

The proposed solution needed to provide safe and cost effective digital distribution of both public documents (e.g. terms and conditions, tables of fees and commissions) and personalized documents (e.g. loan agreements, bank statements). The resulf of that work is BIK Blockchain Platform, which can be used not only by banks, but by any institution that needs to share documents in a secure digital form.

Innovative technology

BIK relied on Billon's Unified Enterprise DLT System to create BIK Blockchain Platform – a cross-industry durable medium solution. Based on Billon’s Trusted Document Management capabilities, BIK Blockchain Platform is a complete technological solution for the reliable and irrevocable publication of documents in a distributed network.

The platform enables enterprises to provide their customers with documents, like new tables of fees and commissions, bank statements, loan agreements, etc., in a faster and easier way. It provides unlimited access to every person with appropriate permissions, connecting through any device with internet access.

BIK Blockchain Platform is integrated with BIK Enterprise Portal – a product platform for BIK clients who can implement the solution easily.



BIK Blockchain Platform offers the following key functionalities:

  • publishing
  • storing and delivering
  • complete business access to a complete document along with its classifying metadata entirely on the distributed ledger i.e. “on-chain” storage
  • It also enables signing of documents and their metadata with an electronic signature.

PDF file format is supported for the published documents, as it allows adding metadata into the file.

Publication of private documents

For private encrypted documents, the user journey for end customers is simple and intuitive.


A BIK client publishes a document through the BIK Blockchain Platform using a dedicated web interface


An end user receives an email with information about the publication and a separate email and an SMS with decryption codes allowing them to read the document


Using decryption codes and the unique document blockchain address, the user can access and read relevant documents on a dedicated web page (

The next phase of solution development can include further functionalities like remote signature and active delivery. The flexibility of the architecture enables creating dedicated blockchain networks for various sectorial solutions e.g. telecommunication blockchain network, insurance blockchain network, etc.



Better delivery of information to end customers

  • Operational efficiency in fulfilling regulatory requirements
  • Improved customer experience
  • Automated administration  and a fully digital process enable a highly satisfactory customer journey

Simplified business service flow

  • A single complete solution for paperless contractual relationship is a step change in digital transformation efforts of communication with end customers

High level security architecture

  • Storing all data on blockchain in a distributed and dispersed architecture with client-side encryption to protect sensitive personal information ensures maximum data privacy and security

New capabilities for BIK product portfolio

  • Providing a solution compliant with legal requirements regarding durable medium and GDPR enabled BIK to serve the financial sector and other industries with a new, unique proposition and extend its product portfolio