Stratofied is a financial technology company that operates a blockchain-based marketplace for tokenized student loan assets. The platform enables lenders to convert loans into digital tokens that can be bought, sold, and traded in fractional or whole form, with smart contracts automating servicing and record-keeping. It also provides a user wallet and portfolio management tools for tracking holdings and valuations.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional student lending relies on securitization, which locks capital into illiquid, long-term loan assets that are difficult to trade and administer. This limits market participation to large institutions, creates high transaction costs, and makes it hard for lenders to exit positions or for new investors to access the asset class.
Solution
Stratofied provides a marketplace for tokenized student loan digital assets, enabling lenders to issue, buy, sell, and service loans on a blockchain network. The platform converts loans into smart contract tokens that embed loan terms and a full historical ledger, making the assets tradable, accessible, and attractive to a wider range of purchasers. Stratofied acts as broker, servicer, document custodian, and market in one interface, allowing users to slice, bundle, and trade tokens with a brokerage-account-like experience. The blockchain ledger provides immutable record-keeping, real-time settlement, and automated servicing, reducing costs and administrative burden compared to traditional securitization.
Target Audience
Primary customers are student loan lenders and originators seeking to tokenize their loan portfolios, as well as institutional and retail investors looking for a liquid, accessible secondary market for student loan assets.
Features
- Tokenization of student loans into smart contract tokens with embedded loan data and full historical ledgers
- Marketplace for buying, selling, and trading whole, fractional, or bundled loan positions
- User wallet for managing loan portfolios, viewing holdings, earnings, and portfolio value
- Robust reporting tools for visualizing portfolio performance, projecting future earnings, and running scenario analysis
- Advanced identity verification, direct bank connections, and modern risk algorithms for loan origination
- Blockchain-based record-keeping with immutable ledgers, real-time settlement, and on-demand audits