Gensaki provides a turnkey synthetic risk transfer (SRT) platform for banks and credit unions, enabling them to free regulatory capital and grow loan books without maintaining internal CRT desks. The platform streamlines the full SRT lifecycle—from portfolio selection and tranche structuring with real‑time RWA projections to compliant documentation templates for ISDA derivatives and SPV filings—ensuring speed, regulatory assurance, and capital optimization.
Funding
Funding not disclosed
Founders
Product
Problem
Banks and credit unions often lack dedicated capital relief desks, making it difficult to execute synthetic risk transfers (SRTs) that free regulatory capital while retaining loans on their balance sheets. The complexity of structuring, documentation, and regulatory compliance creates operational bottlenecks and limits loan‑book growth.
Solution
Gensaki offers a turnkey SRT execution platform that streamlines the entire synthetic risk transfer lifecycle for banks and credit unions. The platform’s real‑time structuring engine lets users select portfolios, configure tranches, and adjust attachment points while instantly updating CET1, loss buffers, and RWA projections to ensure compliance with prudential rules. Supervisor‑aligned documentation rails provide pre‑approved templates for ISDA, CLN, and SPV documents, guaranteeing legal certainty and rapid filing. An integrated investor‑matching service connects institutions with vetted private credit and asset managers who can provide mezzanine protection, while lifecycle automation handles reporting, credit events, and regulatory updates, maintaining a continuous audit trail. Built‑in SRT test and recognition checks automatically verify capital relief eligibility and generate regulator‑ready recognition packs.
Target Audience
Primary customers are banks and credit unions that need to optimize regulatory capital without building internal synthetic securitization capabilities.
Features
- Real‑time structuring engine with live CET1, loss buffer, and RWA calculations for instant compliance checks
- Pre‑approved documentation templates for ISDA credit derivatives, CLN term sheets, SPV agreements, and investor materials
- Automated investor matching with a vetted panel of private credit and asset managers experienced in SRTs
- End‑to‑end lifecycle automation covering closing, reporting, credit event reconciliation, and regulatory updates
- Embedded supervisory SRT tests and automatic generation of recognition packs for regulator filing
- Continuous audit trail of loss coverage, tranche performance, and capital ratio impacts