LoanNFT
LoanNFT is a blockchain-powered loan participation platform built for and owned by credit unions, enabling institutions to list and sell participations through a peer-to-peer marketplace with transparent bidding and automated recordkeeping. The platform uses smart contracts and a secure shared ledger to replace manual email and spreadsheet workflows, lowering fees and improving transparency. It embeds NCUA compliance guardrails directly into the infrastructure, including automated enforcement of the 10% retention rule and 15% net worth limits.
- Financial Technology
- Blockchain & Cryptocurrency
- Commerce & Shopping
- Web3 & NFTs
- Software Only
- Regulatory & Compliance Technology
Funding
Founders
Founder details are not available yet.
Product
Problem
Credit unions face tightening liquidity and rising loan-to-share ratios, yet traditional loan participations rely on emails, spreadsheets, and intermediaries. These outdated secondary market processes are slow, opaque, and costly, limiting institutions' ability to efficiently manage balance sheet pressure and serve more members.
Solution
LoanNFT is a blockchain-powered loan participation platform built for and owned by credit unions. It allows institutions to list and sell participations quickly through a peer-to-peer marketplace with transparent bidding and automated recordkeeping. Smart contracts and a secure shared ledger replace manual workflows, lowering fees and improving transparency. The platform embeds regulatory guardrails directly into its infrastructure, including automated enforcement of NCUA participation requirements such as the 10% retention rule and 15% net worth limits, while maintaining a SOC 2-aligned security architecture. The workflow supports tokenizing loans, creating participation pools, receiving and negotiating bids, and executing and settling transactions.
Target Audience
Primary customers are credit unions of all sizes seeking efficient liquidity access, lower fees, and faster execution in the secondary loan market, particularly those facing tightening liquidity and rising loan-to-share ratios.
Features
- Peer-to-peer marketplace for listing and selling loan participations with transparent bidding and automated recordkeeping
- Smart contract-based execution and settlement replacing manual email and spreadsheet workflows
- Automated enforcement of NCUA compliance requirements, including the 10% retention rule and 15% net worth limits
- SOC 2-aligned security architecture
- Tokenization of loans and creation of participation pools
- Lower fees and faster execution compared to traditional brokers, with full data transparency