Tranched : Revolutionizing Real-Time On-Chain Securitization

Tranched is transforming the way the real economy is financed by introducing real-time on-chain securitization. This platform allows fintech lenders and professional investors to launch institutional-grade financing transactions up to 90% faster than traditional methods. With automated regulatory reporting, instant loan assignment, and frictionless access to liquidity, Tranched empowers users to achieve efficient, transparent, and secure financing solutions.

What are the main features of Tranched?

For Fintech Lenders: Real-Time Loan Tokenization

Tranched offers fintech lenders the ability to tokenize loans with on-chain smart contracts, automating the entire securitization process. From loan pool limits and tranching to legal compliance, Tranched takes care of everything, enabling lenders to launch compliant financing structures in record time.

• Smart Loan Agreements: Tokenized, on-chain loan representation with automated loan management and reporting.
• Instant Loan Assignment: Assign loans at origination and automate the entire securitization process.
• API Integration: Seamlessly connect to your loan system to retrieve and monitor loan data.
• Effortless Reporting: Waterfall contracts automate borrowing base updates, performance tests, and regulatory reporting.

For Investors: Transparent, On-Chain Securitized Opportunities

Investors can directly access institutional-grade securitized loan opportunities, ranging from super-senior to first-loss tranches. Tranched offers full traceability, security, and instant liquidity by allowing investors to trade positions directly with other whitelisted investors, without the need for paperwork.

• Security Enforceable On-Chain: Full transparency and traceability over loan pools.
• Instant Liquidity: Sell positions instantly on-chain to whitelisted investors.
• Priority of Payments: The Tranched Protocol automatically manages the payment hierarchy, ensuring security for investors.

Instant Access to Liquidity and Automated Reporting

Tranched provides instant liquidity for both fintech lenders and investors by facilitating frictionless, on-chain transactions. Investors enjoy peace of mind as the platform ensures the highest levels of transparency and security throughout the process.

• Efficient Settlement: Smooth on-chain transaction processing and cash flow management.
• Regulatory Compliance: Automatic production of regulatory reports based on real-time loan data and updates.

Tranche Structure: From Senior to Junior

Tranched's unique tranching system offers tailored investment opportunities based on risk appetite. With senior, mezzanine, and junior tranches, investors can choose their preferred risk-adjusted returns.

• Senior Tranche: Offers the highest protection against credit losses, ideal for passive investors like pension funds and insurers.
• Mezzanine Tranche: Provides moderate protection against loan defaults, suited for specialist funds.
• Junior Tranche: Typically retained by fintech originators, but occasionally open to investors comfortable with higher risk levels.

Vision for the Future

Tranched envisions a future where the Real Economy is financed with complete transparency, eliminating intermediaries and enabling both lenders and investors to experience seamless, on-chain financial operations.

In conclusion, Tranched offers an innovative platform for fintech lenders and investors to automate and secure their financing operations with real-time on-chain securitization. From instant liquidity to transparent reporting, Tranched ensures that participants can operate at peak efficiency in today’s dynamic financial markets.