DeFico™ isDynamic

DeFico™ is a patent-pending points-based lending platform on the blockchain.
We seek to disrupt the antiquated automotive lending system by offering asset-backed tokenized loans.

Why DeFico™?

8

The automotive dealership market is broken. And so is the antiquated credit score and lending system that immobilizes many families.

Dealers and lenders have used traditional scoring systems to qualify buyers.
While this sounds good on the surface, the outdated credit score model eliminates a considerable number of qualified buyers who could afford vehicles.

Not only are the dealerships crippled competing within a small pool of buyers driving down automotive sales and profit margins, but it also punishes consumers.

Why Now?

What if you could change all of that and implement a new lending points system that expands the marketplace, diversifies the risk, creates social impact, and streamlines the process for everyone involved?

You are then an intricate part of the equation to the disruption of an annual automotive trillion-dollar market, right now!  

The economic upside is enormous. And so are the opportunities provided to those in need. 

EXPANDS THE MARKETPLACE

DIVERSIFIES THE RISK

CREATES SOCIAL IMPACT

STREAMLINES THE PROCESS

A Scoring Model for Today’s Consumer:
Disrupting the Auto Loan Industry

DeFico™ has solved it. It’s time we evolved with it. So humanity can thrive, not just survive, by getting more responsible borrowers into safer vehicles.
The credit scoring system used by American’s today was implemented in the ‘80s using an antiquated mathematical equation.
DeFico™ leverages modern data analytics and algorithmic models to accurately assess a borrower without Increasing credit risk.

1

Consumers Hunting for A
Better Loan or Lender

2

Consumers Offered a
High-Interest Rate 

3

Consumer’s Loan Decision Based Soley on the Traditional Credit Scoring 

Automotive

48 Dealerships have Committed to Offering DeFico™ as an Alternative Lending Option to their Customers.

Become a DeFico™ Approved Dealer

logos-dealership

DeFico™ Auto Lending Process 

How it works

1 - CUSTOMER APPLIES

5 - Total Asset Value Issued & Sold on Blockchain Exchanges

2 - DeFico™ Approves

6 - Funds Used to Finance Additional Loans

3 - DeFico™ pays Dealership

7 - DeFico™ Collects Payments Borrower

4 - DeFico™ Becomes Lien Holder

8 - Title is Released When Total Loan is Paid

DeFico™ Executives

sam-errama

Sam Errama
Founder/CEO

murali

Murali Margapuri
Co-Founder/CTO

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Brandi Kolosky
Founding Partner & CGO 

Ara Ghanbarian

Ara Ghanbarian
VP of Sales

DeFico™ Advisory Board

courtney olujobi

Courtney Olujobi
Strategic Advisor

taha

Taha Errama
Global Advisor

zouheir

Zouheir Lakhdissi
Cyber-Tech Advisor

nico

Nico Krogulec
UI/UX Designer

mik

Mike Benavides
Data Science Advisor

Bringing Blockchain to the Auto Lending Industry: Introducing The DeFico™ Security Token 

Why Security Token?

Diversification
of Risk Across
Token Holders
Securitizing Loans
Removing Risk from
DeFico’s Balance Sheet
flying-coins
Additional Transactional
Security Layers of Investment
Ownership Stakes Preserved
on Blockchain Ledgers
Digital, Liquid Contracts
for Fractions of Vehicle
Assets That Already Has Value

We want to hear
from you!

This proof of stake is new and quite honestly,
revolutionary…you will have several questions…likely,
quite a few of them!

Our team is here to answer any questions you may
have…feel free to contact us by filling out
the following information:

For General Inquiries: Info@DeFico.com
For Media Inquiries: Media@DeFico.com
For Investor Inquiries: Investors@DeFico.com
For Lending Inquiries: Lending@DeFico.com
For Advisor Inquiries: Advisor@DeFico.com

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