Colendi is a fintech company that aims to provide individuals, particularly those without traditional credit histories, with access to fair and affordable financial services. The company's core product is a decentralized credit scoring protocol, which utilizes a combination of machine learning algorithms, artificial intelligence, and blockchain technology. It analyzes various alternative data points such as social media activity, mobile phone usage, and transaction history, to create a comprehensive credit profile for users, enabling lenders to accurately assess creditworthiness. Colendi was founded in 2017 by Bulent Tekmen and Eray Eren.