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aaim
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.
- Enterprise Software
- Financial Technology
- Software Only
Updated 5 months ago
Funding
Funding rounds are not available yet.
Founders
Product
Problem
Community banks and credit unions face challenges in retaining deposits as customers increasingly turn to direct-to-consumer fintech applications. These institutions often lack the tools to fully leverage customer assets for lending, hindering their ability to compete effectively and offer personalized financial solutions.
Solution
Aaim provides a platform that enables community banks and credit unions to offer asset-based lending solutions by assessing and quantifying the value of diverse asset classes. The platform utilizes Aaim Horizon to understand and quantify the spot value, volatility, and time-to-liquidity of investments across a wide range of asset classes, including privately-issued holdings. Aaim Frontier allows consumers to pledge assets, including alternative and illiquid holdings, toward lending events at their existing financial institution. Aaim Transport imports, transfers, and dematerializes legacy instruments into tri-party custodial contracts.
Target Audience
The primary target audience includes community banks and credit unions seeking to enhance their lending capabilities, retain depositors, and compete with direct-to-consumer fintech applications.
Features
- Aaim Horizon: Understands and quantifies the spot value, volatility, time-to-liquidity of investments across a wide range of asset classes.
- Aaim Frontier: Allows consumers to pledge assets toward lending events.
- Aaim Transport: Imports, transfers, and dematerializes legacy instruments into tri-party custodial contracts.
- ReferenceModel™ protocol: Calculates a deep understanding of customer assets.
- Institutional Dashboard: Provides a view of member-pledged assets.
- Asset Discovery Dashboard: Displays asset information, risk score, time to liquidity, and asset classes.
- Integrates at the digital banking layer.