The operating system for pledged-asset lending
Financial institutions lack the infrastructure to lend against assets their existing systems cannot recognize. Aaim provides the complete technology stack: composable contract automation, UCC perfection, tri-party control agreements, real-time valuation, and regulatory compliance. Deploy institutional lending programs in weeks, not years.
Portfolio Composition
Traditional Lending can't see what's coming
Sources: Bank of America Private Bank 2024, Preqin, Cerulli Associates
It's not your fault, nobody ever meant to buy into a platform for its 60 APIs. Because big-iron infrastructure is sold, not bought. Your board isn't playing vendor thunderdome for their P99 TPS vibes and webhook coverage. They're looking for someone to show them how to serve customers and stop losing them. Your next generation of members allocates 31% to alternatives but your core system sees none of it. When they need liquidity, they leave; because you cannot lend against wealth you cannot see. Aaim is the only infrastructure purpose-built to make modern wealth lendable. We built the legal architecture, valuation methodology, and regulatory compliance first... the APIs followed. We've got what it takes to collateralize asset types that didn't even exist when your core systems were designed. The generational wealth transfer is on the move, right now. There's at least $124 trillion on the move through 2048. The institutions that can serve modern wealth builders will own the next 100 years. Those that can't will watch them walk right out the door.
Modern depositors are
modern wealth builders
Each asset type demands distinct advance rates calibrated to liquidity profiles, volatility characteristics, and regulatory guidance. Aaim's valuation engine applies asset-specific methodologies across the full spectrum while your credit committee retains final authority on terms.
Now you can meet their needs
Instant liquidity
Access capital without selling appreciated assets. Maintain long-term investment strategies while addressing immediate financial needs.
Portfolio diversification
Use alternative assets as collateral to free up traditional holdings for strategic reallocation and risk management.
Tax optimization
Defer capital gains taxes by borrowing against assets rather than liquidating positions. Preserve wealth across generations.
Advance rates calibrated to asset-specific liquidity, volatility, and regulatory guidance. Your institution sets final terms.
Bank examination guidance; appraisal-based valuation
Reg T/Reg U baseline; daily pricing, liquid markets
Public REITs liquid; private non-traded have redemption restrictions
Secondary market exists; fund-level NAV reporting
Strategy-dependent; redemption gate risk
Illiquid; NAV lag; capital call exposure
High volatility offset by 24/7 liquidation capability
Provenance-dependent; appraisal-based; specialized liquidation
Binary outcomes; extreme illiquidity; cap table complexity
Sources: Federal Reserve Reg T/U, OCC Comptroller's Handbook, FDIC Risk Management Manual, industry practice surveys
The economics of pledged-asset lending
Lower borrowing cost vs unsecured alternatives
Source: Fed G.19, Bankrate, brokerage disclosures
Typical secured vs 300+ bps unsecured consumer
Source: FDIC Quarterly Banking Profile
Collateral recovery reduces loss severity
Source: FDIC working papers, Moody's
Capital gains rates avoided through borrowing
Source: IRC provisions for pledged-asset loans
Compliance infrastructure
that compounds
UCC Article 8 Perfection
Tri-party control agreements establish super-priority security interests in securities entitlements. Smart contract orchestration ensures atomic execution: borrower, lender, and custodian signatures complete as a single transaction or not at all. DLT-backed provenance records cryptographic proof of each acknowledgment with millisecond timestamps.
UCC Article 9 Filings
Automated UCC-1 filings with jurisdiction determination and collateral description generation from the Reference Model taxonomy. Continuous asset monitoring triggers automatic amendments when collateral composition changes. Five-year continuation tracking with 90-day advance reminders and automated refiling workflows.
UCC Article 12 Digital Assets
Controllable electronic record provisions enable cryptocurrency collateralization across 47 states with adoption tracking. Cryptographic custody verification via API integration with institutional custodians. Homomorphic proofs demonstrate control without exposing private keys or wallet addresses.
Regulation T/U Margin
Real-time margin monitoring against Federal Reserve limits. Asset-specific haircuts calibrated to volatility profiles from the Reference Model. Automated margin call generation when thresholds approach. Examiner-ready documentation of every margin event with full audit trail.
Bank Secrecy Act / KYC
QVToken identity infrastructure provides continuous KYC verification, not point-in-time snapshots. Automated sanctions screening with real-time OFAC list updates. Entity resolution across multiple accounts, custodians, and jurisdictions. Estate succession workflows handle borrower death or incapacity without operational disruption.
True Lender Compliance
Aaim is a technology service provider, not a lender. Your institution makes all credit decisions, owns all loans, and bears all credit risk. Documentation structure and fee economics maintain bright-line distinction per established True Lender doctrine and recent regulatory guidance.
Tech infrastructure that
just gets it all done
Real-time aggregation across custodians. Borrowers share; lenders monitor. Complete portfolio picture before a single document is signed.
Legal perfection across the broadest asset taxonomy. UCC filings, control agreements, and security interest creation with institutional precision.
Tri-party coordination for complex, high-value arrangements. Real-time margin monitoring, multi-custodian management, position-level control.
Unified asset taxonomy with regulatory guidance encoded. Classification and valuation across 8 major classes, 50+ subcategories.
Multi-party transparency with cryptographic provenance. Every state change verified by all counterparties.
Identity as living document. Succession planning, entity resolution, KYC that evolves with the borrower.
Tenant-isolated multi-cloud with homomorphic encryption. Byzantine fault-tolerant consensus. Verification without exposure.
The legal infrastructure
that enables new categories
Legal infrastructure typically requires 12-18 months to build. Aaim provides examiner-ready frameworks, clear accountability boundaries, and enforceable security interests across every counterparty. Launch new categories on legal rails already tested.
Platform Governance
- Master Services Agreement
- Data Governance Framework
- Model Risk Documentation
Member Authorization
- Consent & Data Authorization
- Pledged Asset Security Agreement
- Estate & Succession Provisions
Custodian Control
- Tri-Party Control Agreement
- Custodian Integration Protocol
- Digital Asset Custody Terms
Priority Perfection
- UCC-1 Filing Package
- Continuation & Amendment Filings
- Transfer Agent Acknowledgment
Trusted by leading financial institutions
Ready to deploy pledged-asset lending?
Financial institutions are deploying pledged-asset lending programs in weeks using Aaim's infrastructure. Your institution makes the credit decisions. We provide the technology.