Defynance is an innovative fintech platform offering a transformative alternative to traditional student loan refinancing through a debt‑free Income Share Agreement (ISA) model. Rather than conventional loans with fixed monthly payments and compounding interest, Defynance allows borrowers to repay a percentage of their future income over a defined term, making payments more affordable and aligned with their earnings. This flexible, income‑based repayment structure eliminates compounding interest and adapts to financial circumstances, helping graduates and professionals reduce the burden of student debt and achieve greater financial freedom. The platform also integrates career resources aimed at supporting income growth and long‑term financial success.
For investors, Defynance provides access to an ISA Refinancing Fund that pools capital to finance these income share agreements, offering potential low‑volatility, impact‑focused returns while diversifying portfolios beyond traditional fixed‑income assets. The company’s proprietary algorithm and marketplace connect borrowers with investor capital, optimizing risk assessments and aligning financial incentives for both sides of the marketplace. By reimagining student debt solutions and combining social impact with innovative investment opportunities, Defynance aims to create sustainable economic outcomes for individuals and capital partners alike.
