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2019
 @NOAHConference
 @noah_conference
 @noah-conference
 @NOAHConference
FOLLOW USONSOCIAL
Limited access
If you don’t have a bank
account, you cannot have a
credit score and cannot access
financing. Even for people with
credit scores, only about half of
them were able to access
financing in the past 12
months.
Inadequate assessment
Credit risk assessment systems
fail to deploy an accurate
assessment of creditworthiness
They are mostly dependent on
banking credit history and
neglecting extensive user
behavioral data.
No transparency
How is your score calculated?
Central scoring systems are not
transparent about the set of
rules defined in their credit
scoring mechanism, causing a
lack of trust in the scoring
system.
“2.93”billion
people
The Problem
53%of the world’s
adults have no
access to financial
instruments.
Unlike other unsecured centralized
alternatives such as Equifax
Colendi offers decentralized credit
scoring protocol and micro credit
platform on secure blockchain
technology
Source: McKinsey research https://www.mckinsey.com/industries/financial-services/our-insights/counting-the-worlds-unbanked
26-50%
v
0-25 %
z
51-75%
v
76-100%
v
Latin America
250 million adults
65%
High income OECD
countries
60 million adults
8%
Central Asia &
Eastern Europe
193 million adults
49%
East Asia

Southeast Asia
876 million adults
59%
SouthAsia
612 million adults
58%Middle East
136 million adults
67%
Sub-Saharan Africa
326 million adults
80%
2.5 billion unbanked
72% of population is ‘not credible’
According to World Bank statistics,
2.45 billion people in the world are
unbanked, while over 975 million of
the current banked population is not
eligible for credit which means 3.42
billion people (72% of the world
adult population) is defined as ‘not
credible’.
Over 70% of the underdeveloped part
of the world has no access to credit
and almost 60% of global population
demands increase in credit usages.
Expensive, non-digital and insecure
traditional methods are being used at
the moment to meet the financial
needs.
By simply using our app, users can
create their Colendi ID and get
Colendi Score to join the Colendi
network and access microcredits, p2p
financing and installment shopping.
The Solution
Decentralized Credit
Score to make
finance accessible
for everyone.
FINANCIAL
PASSPORT
82
SCORE
Colendi ID & Credit Score
Colendi is a decentralized self
sovereign identity and credit
scoring protocol on Ethereum
blockchain. Through it’s scoring
algorithms, Colendi renders
smartphone and social media
data together with other
integrated data to compile a
unique credit score for each user
that will serve as a financial
passport.
v
820
Colendi App | Colendi Card
• Sign up
• Get your ID and Colendi Score
• Find Colendi network merchants
• Scan QR to access credit
• See your shopping credit details
• Confirm & purchase
• Repay and improve your score
Installment
shopping &
Micro-finance
Use cases for global financial transformation
Installment Shopping
Digital conversion for the most
traditional shopping and
payment methods.
Microcredit
Microcredits made available by
lenders based on the unbiased
credit score for users.
P2P Finance
Credibility assessment for p2p
financing with user permission
to scorecard sharing.
Reliability Measure
A global score to serve as a
benchmark for any app, service
or business.
Usage Areas of
Colendi
z
Phase IV - Global coverage
v
Phase III - Expansion
Phase II - Unbanked region growth
Phase I - Business model setup
v
v
Total addressable market of
4 billion transactions
estimated in the world for three
different use cases according to
McKinsey Report:
- POS Financing
- Trustworthiness
- Financial Decisions
Expansion
A global score and
network to access
finance
Total Addressable Market ~ 4 billion trx
1. Character
2. Capacity
3. Capital
4. Collateral
5. Conditions
With Colendi Score, we primarily
predict the financial characteristics
and loan repayment capacities of
the people with machine learning
(ML) algorithms and create credit
scores with high accuracy.
5C’s of Credit
POC - Alpha Testing
Colendi was found in 2016
developed its scoring
algorithm and technology.
Launched the alpha product
with Koctas, a Kingfisher
company (home improvement
retailer in Turkey for POC).
Early Adaptors
• Turkcell, Telco Operator,
+35M user
• Limak, Energy Distributer,
+4M households
• PTT, Post Office of Turkey,
+10M unbanked users
• SambaPos, Restaurant POS,
+300.000 merchants
Signed Contracts
+10 contracts signed globally
with different brands
• Kudi (payment company)
from Nigeria
• Enigma (technology
company) from US
• ininal (payment company)
from Turkey
Partners &
Early Adaptors
Retail chain covering 15
Million customers.
Energy provider for
4 Million households.
Restaurant POS system
active in +300k
merchants and 195
countries.
Digital payment
solutions, +35 million
users in Turkey.
Post Office of Turkey,
providing payment
services to +10 Million
unbanked.
Limak Wallet
Application
Limak Energy has more than 4
million households in Turkey.
App Features:
• Bill payment on Limak Wallet
• Colendi Score Integration
• Limak Pre-paid Card
• Installment Shopping
ROAD MAP
2016
Team Formation
Start R&D on credit scoring
2017
Whitepaper released
First +1 mio user scored
2018 Q1
First Colendi scored credits
are given on contracted
merchant
2018 Q2
Alpha product is launched
to early adopters
2018 Q3
Technical Paper and Token
Paper are released
2018 Q4
Public launch of
decentralized Alpha
product
2019 Q1
Start of Beta Program and
tests of Colendi mobile
ÐApps
2019 Q3
Launch of microcredit
platform
Colendi Token (COD) will be
launched on mainnet
2019 Q2
Open sourcing smart
contracts
2019 Q4
Expansion of global
partnerships
The opening of Developer
Portal
2020
Increasing the number of
offices globally
What We’ve Done So Far
Colendi ÐApps Limak Wallet
Koçtaş Scoring
Colendi - NOAH19 Berlin

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Colendi - NOAH19 Berlin

  • 2.  @NOAHConference  @noah_conference  @noah-conference  @NOAHConference FOLLOW USONSOCIAL
  • 3. Limited access If you don’t have a bank account, you cannot have a credit score and cannot access financing. Even for people with credit scores, only about half of them were able to access financing in the past 12 months. Inadequate assessment Credit risk assessment systems fail to deploy an accurate assessment of creditworthiness They are mostly dependent on banking credit history and neglecting extensive user behavioral data. No transparency How is your score calculated? Central scoring systems are not transparent about the set of rules defined in their credit scoring mechanism, causing a lack of trust in the scoring system. “2.93”billion people The Problem 53%of the world’s adults have no access to financial instruments. Unlike other unsecured centralized alternatives such as Equifax Colendi offers decentralized credit scoring protocol and micro credit platform on secure blockchain technology
  • 4. Source: McKinsey research https://www.mckinsey.com/industries/financial-services/our-insights/counting-the-worlds-unbanked 26-50% v 0-25 % z 51-75% v 76-100% v Latin America 250 million adults 65% High income OECD countries 60 million adults 8% Central Asia & Eastern Europe 193 million adults 49% East Asia
 Southeast Asia 876 million adults 59% SouthAsia 612 million adults 58%Middle East 136 million adults 67% Sub-Saharan Africa 326 million adults 80% 2.5 billion unbanked 72% of population is ‘not credible’ According to World Bank statistics, 2.45 billion people in the world are unbanked, while over 975 million of the current banked population is not eligible for credit which means 3.42 billion people (72% of the world adult population) is defined as ‘not credible’. Over 70% of the underdeveloped part of the world has no access to credit and almost 60% of global population demands increase in credit usages. Expensive, non-digital and insecure traditional methods are being used at the moment to meet the financial needs.
  • 5. By simply using our app, users can create their Colendi ID and get Colendi Score to join the Colendi network and access microcredits, p2p financing and installment shopping. The Solution Decentralized Credit Score to make finance accessible for everyone. FINANCIAL PASSPORT 82 SCORE Colendi ID & Credit Score Colendi is a decentralized self sovereign identity and credit scoring protocol on Ethereum blockchain. Through it’s scoring algorithms, Colendi renders smartphone and social media data together with other integrated data to compile a unique credit score for each user that will serve as a financial passport. v 820
  • 6. Colendi App | Colendi Card • Sign up • Get your ID and Colendi Score • Find Colendi network merchants • Scan QR to access credit • See your shopping credit details • Confirm & purchase • Repay and improve your score Installment shopping & Micro-finance
  • 7. Use cases for global financial transformation Installment Shopping Digital conversion for the most traditional shopping and payment methods. Microcredit Microcredits made available by lenders based on the unbiased credit score for users. P2P Finance Credibility assessment for p2p financing with user permission to scorecard sharing. Reliability Measure A global score to serve as a benchmark for any app, service or business.
  • 9. z Phase IV - Global coverage v Phase III - Expansion Phase II - Unbanked region growth Phase I - Business model setup v v Total addressable market of 4 billion transactions estimated in the world for three different use cases according to McKinsey Report: - POS Financing - Trustworthiness - Financial Decisions Expansion A global score and network to access finance Total Addressable Market ~ 4 billion trx
  • 10. 1. Character 2. Capacity 3. Capital 4. Collateral 5. Conditions With Colendi Score, we primarily predict the financial characteristics and loan repayment capacities of the people with machine learning (ML) algorithms and create credit scores with high accuracy. 5C’s of Credit
  • 11. POC - Alpha Testing Colendi was found in 2016 developed its scoring algorithm and technology. Launched the alpha product with Koctas, a Kingfisher company (home improvement retailer in Turkey for POC). Early Adaptors • Turkcell, Telco Operator, +35M user • Limak, Energy Distributer, +4M households • PTT, Post Office of Turkey, +10M unbanked users • SambaPos, Restaurant POS, +300.000 merchants Signed Contracts +10 contracts signed globally with different brands • Kudi (payment company) from Nigeria • Enigma (technology company) from US • ininal (payment company) from Turkey Partners & Early Adaptors Retail chain covering 15 Million customers. Energy provider for 4 Million households. Restaurant POS system active in +300k merchants and 195 countries. Digital payment solutions, +35 million users in Turkey. Post Office of Turkey, providing payment services to +10 Million unbanked.
  • 12. Limak Wallet Application Limak Energy has more than 4 million households in Turkey. App Features: • Bill payment on Limak Wallet • Colendi Score Integration • Limak Pre-paid Card • Installment Shopping
  • 13. ROAD MAP 2016 Team Formation Start R&D on credit scoring 2017 Whitepaper released First +1 mio user scored 2018 Q1 First Colendi scored credits are given on contracted merchant 2018 Q2 Alpha product is launched to early adopters 2018 Q3 Technical Paper and Token Paper are released 2018 Q4 Public launch of decentralized Alpha product 2019 Q1 Start of Beta Program and tests of Colendi mobile ÐApps 2019 Q3 Launch of microcredit platform Colendi Token (COD) will be launched on mainnet 2019 Q2 Open sourcing smart contracts 2019 Q4 Expansion of global partnerships The opening of Developer Portal 2020 Increasing the number of offices globally
  • 14. What We’ve Done So Far Colendi ÐApps Limak Wallet Koçtaş Scoring