Insights and
thought leadership
The latest thinking on alternative asset lending, regulatory developments, and platform innovations from the Aaim team.
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The Liquidity Paradox
Modern wealth holders with substantial assets pay worse credit terms than those with traditional...
The Post-Fintech Fintech Manifesto
After two decades of fintech disruption that promised democratization but delivered predatory...
The Regulatory Advantage
The crypto-lending graveyard is full of companies that built growth engines without regulatory...
UCC Article 12 State Adoption: Where We Are Now
Article 12 adoption has moved faster than anyone expected. This article provides the current state...
OCC 2011-12 and Collateral Valuation: When Your System Becomes a Model
If your collateral valuation uses quantitative methods, it's probably a model under OCC 2011-12....
Private Equity Valuation for Lending: What Actually Works
Private equity fund interests are the most challenging collateral class. This article covers NAV...
NCUA Third-Party Guidance for Collateral Technology: What Credit Unions Need
Using third-party technology for collateral valuation? NCUA has expectations. This article covers...
Family Office Playbooks for Main Street
For decades, wealthy families have used securities-backed lending to access liquidity without...
Startup Equity as Collateral: What Lenders Need to Understand
Technology employees hold billions in startup equity they can't easily liquidate. The challenge for...
Collateral Intelligence Beyond Verification
Traditional collateral systems verify assets exist. Modern lending requires understanding what...
The Credit Union Alternative Asset Playbook
Credit unions are uniquely positioned to win in alternative asset lending. Their member...
Fair Lending and Alternative Collateral: The Questions Nobody Wants to Answer
Alternative asset lending raises fair lending questions that traditional secured lending may not....
Margin Management for Alternative Collateral: The Dials You Actually Need to Turn
Traditional margin management assumes same-day liquidation and real-time pricing. Alternative...
Why Credit Unions Are Winning Alternative Asset Lending
Conventional wisdom says mega-banks should dominate alternative asset lending. They have the...
Explainable AI in Valuation: Why Black Boxes Get You in Trouble
Black-box algorithms have no place in financial services. Regulators have been clear about this....
Ontology Had Its Moment. Then Another One. We Were There for Both.
LLMs hallucinate less with structured knowledge. The semantic web people knew this in 2001. We've...
Valuation Methodology Is Not Optional
When you use models to value alternative asset collateral, you trigger OCC 2011-12 requirements for...
Control Agreements: Structure, Negotiation, and Common Pitfalls
Control agreements are the foundation of security interest perfection in investment property. This...
UCC Article 12: The Framework for Digital Asset Lending
Article 12 created the legal framework that makes cryptocurrency lending possible at scale. Here's...
Cryptocurrency Custody: What Lenders Actually Need to Know
The crypto-lending graveyard is full of companies that treated custody as an afterthought. The...
The $12 Trillion Invisible Wealth Crisis
The largest wealth transfer in human history is underway, but traditional banks can't see most of...