Colendi is a fintech company that provides a modern credit system utilizing over 3,500 data points to create custom scorecards for users, enabling instant and accessible microcredit. The company serves individual users and businesses, offering a range of financial services including microcredit, investment options in foreign exchange, cryptocurrencies, precious metals, and international fractional stocks. Colendi operates in the financial technology market, leveraging machine learning and artificial intelligence to assess creditworthiness and provide a dynamic, unbiased reliability measure. The business model is centered around providing financial solutions directly to consumers and enabling third parties to offer branded financial services through its platform. Colendi generates revenue through interest-free microcredit options, investment services, and its Banking as a Service (BaaS) functionality.

Keywords: microcredit, fintech, AI-driven scoring, investment options, financial passport, machine learning, BaaS, creditworthiness, global identity, peer-to-peer lending.