1. Introduction

FriendFi is an innovative platform that leverages the power of AI x SocialFi x DeFi to tokenize "individual influence" and "credit," and enable C2C lending based on them. Inheriting and evolving the philosophy of Friend.tech, FriendFi allows AI to visualize your online activities, contributions, and connections. It elevates "credit," which was not valued in the traditional financial system, into a financial service accessible to everyone.

In modern society, the "credit" of an individual plays an extremely important role. However, traditional credit scoring systems are primarily based on financial transaction history and asset status, and do not accurately reflect the true "creditworthiness" of many people. In particular, young people and users in emerging countries who do not have sufficient financial history face the challenge of limited access to financial services.

FriendFi was born to solve this problem. By combining the power of blockchain technology, AI, and social networks, FriendFi aims to reveal the value of "credit" that has been overlooked until now, and to build a new financial ecosystem where everyone can receive financial services fairly.