Aaim provides a platform that utilizes its proprietary ReferenceModel™ protocol to assess and quantify the value of diverse asset classes, enabling community banks and credit unions to offer asset-based lending solutions. This approach addresses the challenge of deposit outflow by allowing financial institutions to leverage customer assets for lending, thereby enhancing their competitive position against direct-to-consumer fintech applications.
Funding
Funding not disclosed
Founders
Product
Problem
Financial institutions rely on traditional lending systems that can only assess and collateralize conventional assets such as cash and standard securities, leaving a large portion of modern wealth—equities, REITs, private equity, crypto, tokenized securities, RSUs, and LP interests—invisible and unusable for credit. This limits liquidity options for depositors and causes institutions to lose customers whose portfolios increasingly contain alternative assets.
Solution
Aaim provides an infrastructure that aggregates account data and applies a proprietary valuation methodology to quantify the collateral value of a wide range of modern assets. The platform also delivers the legal framework and APIs needed to perfect security interests in those assets, turning previously untapped wealth into lendable collateral. By integrating with existing core banking systems, Aaim enables lenders to extend credit lines against alternative‑asset holdings while maintaining regulatory compliance. The solution offers real‑time asset valuation, automated lien filing, and seamless data exchange, allowing institutions to capture liquidity opportunities in the growing alternative‑asset segment of the generational wealth transfer.
Target Audience
Primary customers are banks, credit unions, and fintech lenders that need to extend credit to depositors holding alternative and tokenized assets, as well as wealth management platforms seeking to offer liquidity solutions to their high‑net‑worth clients.
Features
- Account aggregation service that consolidates holdings across brokerage, crypto wallets, private equity platforms, and tokenized security registries
- Proprietary valuation engine delivering market‑based collateral values for equities, REITs, LP interests, pre‑IPO stock, RSUs, cryptocurrencies, and tokenized securities
- Legal infrastructure and API suite to automate perfection of security interests, lien filing, and compliance reporting
- Real‑time API integration enabling existing core banking systems to query asset values and collateral status with minimal latency
- Risk analytics module that tracks loss rates and collateral performance, supporting underwriting decisions for alternative assets