Defynance is a fintech company that has created a loan refinancing and investing platform that uses a proprietary algorithm to predict the right income share and continually optimize pricing and underwriting decisions. The platform acts as a digital marketplace that uses AI to enhance connections between refinancing candidates and investors, both institutional and retail. For refinancers, Defynance provides resources during unemployment to help them achieve economic prosperity and a cash return when the ISA ends based on their own self-equity account. For ISA funders, the ISA Refinancing Fund diversifies and mitigates risk, provides tax-deferred returns, and shields them from interest rate and stock market risk. Defynance is the first fintech to refinance existing student loans using a smart income share agreement (ISA) that is debt-free, always has affordable payments, and provides a cash return.