Economics / Credit Unions

Access the wealth your members already have

Your members are younger, wealthier, and more diversified than your core system suggests. They hold cryptocurrency, RSUs, side-hustle equity, and LP interests in funds. Your deposit records show a fraction of their net worth. When they need liquidity, they have options: high-interest personal loans, credit cards, predatory fintechs, or leaving for an institution that can see their full picture. Pledged-asset lending keeps them with you.

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Lower charge-off rate
13x
Member allocation to alternatives
31%
Portfolio loss rate
<30 bps
The Member Advantage

Member wellness through modern lending

13x Lower Charge-offs

Secured lending against appreciated assets has fundamentally different risk characteristics than unsecured consumer credit. Borrowers with collateral have incentives aligned with repayment.

Member Retention

Deposit relationships follow investment relationships. When members can borrow against assets held elsewhere, they consolidate financial relationships. Pledged-asset lending deepens member commitment.

NCUA Examination Support

Complete TPRM documentation, Model Risk validation aligned with OCC 2011-12 guidance, and audit trails aligned with NCUA Letter 18-CU-03. Documentation exists because the examiner will ask.

The Invisible Wealth

Assets your members already hold

Your core system sees deposits. It does not see the cryptocurrency in cold storage, the RSUs vesting over four years, the LP interest in a venture fund, or the shares in a pre-IPO company. These assets represent real wealth. Our valuation methodology makes them visible and lendable.

Digital Assets
Bitcoin, Ethereum, and other digital assets. UCC Article 12 provides the legal framework. Control-based perfection establishes super-priority security interests.
RSUs and Stock Options
Restricted stock from tech employers. Vesting schedules create time-to-liquidity risk. Our valuation methodology accounts for cliff vesting, employer concentration, and blackout periods.
Empower Entrepreneurs
Ownership in small businesses and startups. Cap table complexity and preference stacks affect common share recovery. 409A valuations provide starting points.
LP and Fund Interests
Venture capital, private equity, and hedge fund investments. NAV reporting lags by 60-90 days. Our methodology adjusts for illiquidity discount and capital call exposure.
Member Wellness

Prevent predatory alternatives

When members need liquidity, they have options. High-interest personal loans. Credit cards at 24% APR. Predatory fintechs with opaque fee structures. Liquidating appreciated assets and triggering capital gains. Pledged-asset lending offers a better path: lower rates, asset preservation, and member retention.

Lower rates:300-600 bps advantage over unsecured lending. Secured credit costs less because it poses less risk.
No forced liquidation:Members keep their assets while accessing liquidity. No taxable event. No loss of upside exposure.
Relationship preservation:Serve members where they are, not where your systems expect them to be. Alternative assets are not going away; they are increasing as a share of member portfolios.

NCUA Ready

Every pledged-asset loan comes with complete documentation for NCUA examination. Third-party risk management, model validation, and audit trails generated at origination, not assembled after the fact.

Third-party risk management documentation
Model risk validation aligned with OCC 2011-12
NCUA Letter 18-CU-03 alignment
Complete audit trails for every loan
UCC Article 12 control documentation
The Generational Shift

Your members are changing

Younger members allocate 31% of their wealth to alternatives and cryptocurrency. Older members allocate 6%. The credit unions that can serve this new wealth profile will retain members through life stages. Those that cannot will watch them leave for institutions that can see their full financial picture.

Younger members
31%

allocation to alts

Older members
6%

allocation to alts

Serve your members the modern way

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