# Introduction

### What is Synnax Finance?

Traditionally, credit ratings are expressed through a letter-based score, derived from analyses conducted by entities like Credit Rating Agencies. However, the methodologies behind these analyses are often not transparent, making them susceptible to manipulation, error and bias.

Synnax introduces a revolutionary approach by utilizing a decentralized consensus model to generate Credit Intelligence. Credit Intelligence is purely data-driven and derived from the collective wisdom of an independent network of machine learning models. This approach promotes transparency and resistance to manipulation and bias.

Credit Intelligence encompasses real-time, predictive financial metrics from each machine learning model, offering a more comprehensive view of a company's financial performance. Credit Intelligence comprises:

* Headline Credit Signal (similar to a credit rating)
  * Current - based on realized data
  * Forecasted - based on decentralized predictions and updated in real-time
* 17 Predictive Financial Components & 22 Predictive Financial Ratios
  * Generated from decentralized predictions
  * Updated in real-time
  * Customizable charts for each metric
* Probability of Default
  * A probability estimate of future debt repayments
  * Calculated from decentralized predictions

### **Discover Synnax’s real-time Credit Intelligence:** [synnax.app](https://synnax.app)

<figure><img src="/files/EI3htnj67yfWTOmEV2IH" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
**Coming Soon:**

ZK/e - Zero Knowledge Proof-of-Equity - Privacy-preserving proofs for on-chain and off-chain assets & liabilities.
{% endhint %}


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