The valuation problem, solved
Modern wealth builders allocate 31% to alternatives and cryptocurrency versus 6% for older generations. LP interests, RSUs, pre-IPO stock, and tokenized securities now comprise significant portions of member portfolios. Traditional lending systems cannot value these assets, let alone perfect security interests in them. We built the infrastructure that can.
Make modern wealth lendable
We built the valuation methodology and legal infrastructure that enables credit unions and community banks to lend against assets their existing systems cannot recognize. ReferenceModel provides ASC 820 compliant fair value estimates for Level 3 assets. Legal perfection automation covers UCC Articles 8, 9, and 12. Custody integrations establish control. Together, these capabilities let community institutions serve modern wealth builders the way private banks serve the wealthy.
Traditional lenders do what they do well. They just cannot see or value the assets modern wealth builders actually hold. We provide the valuation layer and legal infrastructure that makes those assets lendable. Your institution makes the lending decisions.
Younger investors allocate 31% to alternatives. Older investors allocate just 6%. The shift is already happening.
How we build
Valuation methodology first
Account aggregation tells you what members hold. We tell you what it's worth as collateral. Two different problems. We solve the harder one.
Control infrastructure
UCC Article 12 requires control for perfection. Control is technical architecture. We built the infrastructure that establishes it.
Regulatory hygiene before growth
The crypto-lending graveyard is full of companies that built growth engines without compliance infrastructure. We built compliance first, growth strategy second.
Distribution over disruption
Technology alone is not a moat. We partner with existing financial infrastructure rather than competing with it. Banks stay banks. Brokerages stay brokerages.
From valuation problem to platform
Founded - Started building because the math was obvious: $124 trillion transfers through 2048, younger investors allocate 31% to alternatives and cryptocurrency, and those assets need to be lendable by systems that can actually value them.
CU WealthNext Partnership - Exclusive distribution agreement with CU WealthNext CUSO, providing access to the credit union industry for alternative asset lending programs.
Patent Filed - USPTO application for Semi-Autonomous Dynamic Valuation and Risk Assessment methodology. ReferenceModel architecture for Level 3 asset valuation with continuous calibration.
Platform Launch - Piloting with co-creators and their staff. Building with the industry, not in spite of it, because that's how we win in regulated financial services.
Federal guidance caught up to member portfolios
2025 delivered definitive regulatory clarity on digital asset activities. FHFA permits cryptocurrency as mortgage reserves. OCC rescinded prior approval requirements for bank digital asset custody. CFTC approved Bitcoin, Ethereum, and stablecoin collateral for derivatives. 33 jurisdictions enacted UCC Article 12. The legal infrastructure exists. We built the technology to execute on it.
Building with institutions, not around them
We are early-stage, building in public, and deliberately slow because that is how you earn trust in regulated financial services. Our distribution partnership with CU WealthNext gives us access to the credit union industry. We are building infrastructure that lets community institutions serve modern wealth builders with the same sophistication their wealthier counterparts expect from private banks.
Media resources
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Let's talk
Whether you are a community institution looking to serve modern wealth builders, an engineer who wants to solve valuation problems in regulated spaces, or a partner who wants to understand the opportunity, we would like to hear from you.