Depositors are stacking
$12T in invisible wealth.
But will it lend?
Equities. REITs. LP interests. Pre-IPO stock. RSUs. Cryptocurrency. Tokenized securities. Your depositors hold assets your core system can't see. Aaim provides the valuation methodology and legal infrastructure to lend against them.
Portfolio Composition
Traditional lending can't see what's coming
Sources: Bank of America Private Bank 2024, Preqin, Cerulli Associates
Invisible to traditional systems
Moving through 2048
For GenX+ investors
With pledged-asset lending
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 50 years. Those that can't will watch them walk right out the door.
Where $124 trillion is actually going
The generational wealth transfer visualized. Blue chip portfolios fragmenting into alternative assets your systems cannot see.
Investing Trends, 2020-2050
$124 trillion moving from Boomers to new generations, driving a shift from traditional 60/40 portfolios to alternative-heavy allocations. Watch how Aaim unlocks the future.
Wealth
Base
Click nodes to highlight wealth flows. Select across columns left-to-right to progressively filter paths. Or just hit the play button and watch how money moves.
THIS IS NOT INVESTMENT ADVICE. 2025 Aaim, Inc. and ReferenceModelTM by Aaim. Projections synthesize Federal Reserve Z.1 Financial Accounts establishing Q4 2020 baseline household wealth at $130.2 trillion (March 11, 2021 release, Table B.101) with Cerulli Associates' validated $124 trillion intergenerational transfer through 2048 (December 5, 2024 report). Alternative asset baseline derives from Preqin's authoritative $10.31 trillion year-end 2019 figure ("Alternatives in 2020," Q1 2020, page 4) with growth trajectories informed by McKinsey Global Private Markets Reviews (2020-2025), Bain's projection of $60-65 trillion private markets by 2032 (August 21, 2024), and Preqin's $32 trillion 2030 forecast (October 16, 2025). Generational allocation differentials validated through Bank of America Private Bank's 31% alternative allocation for younger investors versus 6% for older cohorts (2022 Study of Wealthy Americans), corroborated by Goldman Sachs Asset Management (October 2024) and zerohash research (November 20, 2025). Cryptocurrency baseline anchored to CoinGecko's official $732 billion December 31, 2020 market capitalization with conservative 20% household penetration assumption. Conservative scenario applies 5.5% wealth CAGR versus historical 6-8% range, 34.3% alternative asset penetration by 2050 versus industry outliers suggesting 52%, maintaining methodological alignment with Federal Reserve Distributional Financial Accounts methodology while incorporating Feiveson-Sabelhaus wealth concentration dynamics (FEDS Notes, June 1, 2018).
Valuation methodology backed by legal infrastructure
Account aggregation services tell you what members hold. We tell you what it's worth as collateral and how to perfect a security interest in it. Two different problems. Two different capabilities.
ReferenceModel Valuation
Patent-pending methodology for Level 3 assets: LP interests, private company stock, RSUs, tokenized securities. ASC 820 compliant. OCC 2011-12 compliant. Examiner-ready documentation.
Legal Perfection Engine
Automated UCC Articles 8, 9, and 12 coverage. Control-based perfection for digital assets with super-priority. 50-state filing automation with continuation tracking.
Custody Integrations
Direct connections to securities intermediaries and digital asset custodians. Control agreements backed by technical infrastructure, not just documentation.
The picture of modern wealth can seem fuzzy
Your core system sees deposits and maybe a brokerage link. It does not see the LP interest in a venture fund, the RSUs vesting over four years, the Bitcoin in cold storage, or the shares in a pre-IPO company. These assets represent real wealth, and we think they should be lendable.
We bring it all into focus
LP Interests and Fund Participations
Venture capital, private equity, and hedge fund investments. NAV-based valuation with illiquidity adjustment. UCC Article 9 perfection through financing statement filing.
Private Company Stock and RSUs
Pre-IPO equity, founder shares, and restricted stock units. 409A-informed valuation with vesting schedule analysis. Transfer agent integration for pledge notation.
Cryptocurrency and Tokenized Securities
Bitcoin, Ethereum, and security tokens. 24/7 market data with volatility-adjusted haircuts. UCC Article 12 perfection through control with super-priority.
Real Estate Equity
Investment properties, syndication participations, and non-HELOC positions. Comparable sales and rental income analysis through property data integrations. UCC Article 9 perfection with appraisal-based valuation.
From fuzzy to fundable
Our methodology produces a defensible collateral value. The perfection framework protects your claim to it. Your institution sets the terms, adjusts the ranges, and makes the lending decision. We handle the complexity that makes these assets lendable in the first place.
Each asset class requires specific valuation methodology and perfection framework. Baseline LTV ranges reflect liquidity profile, volatility characteristics, and regulatory guidance. Your institution sets final terms.
Near-cash; minimal haircut
Reg T/U baseline; daily pricing
Appraisal-based; established guidance
Volatility offset by 24/7 liquidity; Article 12
Daily pricing; liquid markets
Underlying varies; Article 12 framework
Secondary market exists; NAV reporting
Redemption restrictions; NAV-based
Strategy-dependent; redemption gates
Illiquid; NAV lag; capital call exposure
Vesting schedule risk; employer concentration
409A-informed; cap table complexity
Binary outcomes; extreme illiquidity
Calibrated to Federal Reserve Reg T/U, OCC Comptroller's Handbook, FDIC Risk Management Manual, and UCC Article 8/9/12 requirements
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
Federal guidance is catching up to member portfolios
FHFA now permits cryptocurrency as mortgage reserves without conversion to dollars. The OCC rescinded prior approval requirements for bank digital asset activities. CFTC approved Bitcoin, Ethereum, and stablecoin collateral for derivatives. 33 jurisdictions enacted UCC Article 12. The legal infrastructure for alternative asset lending exists. The question is whether your institution can execute on it.
OCC Interpretive Letters 1183/1184
Banks may engage in digital asset custody and execution without prior approval.
UCC Article 12 Adoption
33 jurisdictions including NY, CA, FL, DE, TX. Control-based perfection for digital assets with super-priority.
FHFA Decision 2025-360
Fannie and Freddie may consider crypto reserves in qualified custodial arrangements.
OCC Interpretive Letters 1183/1184
Banks may engage in digital asset custody and execution without prior approval.
UCC Article 12 Adoption
33 jurisdictions including NY, CA, FL, DE, TX. Control-based perfection for digital assets with super-priority.
FHFA Decision 2025-360
Fannie and Freddie may consider crypto reserves in qualified custodial arrangements.
The infrastructure exists, execution is everything now.
Regulatory guidance is evolving with the rise in alternative asset types. Institutions deploying pledged-asset lending infrastructure today will serve modern wealth builders for the next 50 years.