Streamlined PPP Asset Vetting & Due Diligence

Manual document collection and verification for a single commercial property can take weeks and cost thousands in legal fees. A shared, permissioned ledger automates this process.

• Automated Verification: Title deeds, insurance, and inspection reports are cryptographically verified on-chain, cutting review cycles by 70-80%.
• Reduced Legal Overhead: Eliminate redundant document requests and manual cross-checking between originators, servicers, and investors.
• Real Example: A European debt fund reduced its asset onboarding time from 45 days to under 10 days using a blockchain registry for property liens and insurance.

Fragmented data across spreadsheets, email, and legacy systems leads to version conflicts and audit nightmares. Blockchain provides an immutable audit trail for every data point.

• Single Source of Truth: All parties—originator, valuation firm, insurer, investor—access the same verified asset record, eliminating reconciliation.
• Provenance & Consent: Track the full history of document submissions, approvals, and amendments with tamper-proof timestamps.
• Real Example: In syndicated loan portfolios, blockchain tracking has resolved disputes over covenant compliance by providing an indisputable record of borrower-reported financials.

Regulatory scrutiny on loan origination and asset quality is intensifying. An on-chain vetting process creates a defensible, transparent record for auditors and regulators.

• Automated Compliance Checks: Program rules (e.g., LTV ratios, debt service coverage) can be validated automatically against on-chain data.
• Instant Audit Trails: Provide regulators with read-only access to the complete, verifiable history of an asset's vetting process in minutes, not months.
• Real Example: FinCEN guidance emphasizes the auditability of digital records. Blockchain vetting logs satisfy these requirements while reducing compliance overhead.

A rigorously vetted, blockchain-native asset is pre-packaged for capital markets. This foundational step enables fractionalization and broader investor access.

• Investor Confidence: A transparent vetting history makes assets more attractive, potentially lowering required yields and increasing pool sizes.
• Frictionless Securitization: The verified data layer seamlessly integrates with tokenization platforms, creating a pipeline for Asset-Backed Securities (ABS).
• Real Example: Platforms like Figure Technologies use blockchain from origination through securitization, demonstrating how robust initial vetting streamlines the entire capital stack.

Document forgery and double-pledging of collateral are persistent, costly risks. Blockchain introduces cryptographic proof of authenticity and ownership.

• Tamper-Proof Records: Documents hashed on-chain cannot be altered, providing certainty that the vetting package is authentic.
• Collateral Registry: Prevent double-financing by recording liens and security interests on a shared, immutable ledger visible to permissioned participants.
• Real Example: Trade finance platforms like we.trade have reduced invoice fraud by over 90% using similar principles of document verification and asset tracking on blockchain.

Justifying the investment requires translating efficiency gains into hard numbers. A typical ROI model for a mid-sized fund might include:

• Cost Savings: Reduce due diligence costs from ~$15,000 to ~$4,000 per asset.
• Time-to-Market: Deploy capital 5-6 weeks faster, capturing better market yields.
• Risk Reduction: Quantify savings from avoided fraud, disputes, and audit findings.
• Revenue Enablement: Model the incremental AUM enabled by faster, more trustworthy asset aggregation.

Net Result: Projects often achieve a full ROI in 12-18 months through direct cost avoidance and accelerated fund deployment.

Traditional Private Placement (PP) asset due diligence is a manual, paper-intensive process prone to errors and delays. A blockchain-based registry creates a single source of truth for asset data, legal documents, and ownership history.

• Automated Verification: Smart contracts validate compliance rules and investor accreditation in real-time.
• Immutable Audit Trail: Every document hash and transaction is permanently recorded, slashing audit preparation time by up to 70%.
• Real Example: A European private bank piloted this to reduce the time-to-market for new structured products from 6 weeks to under 72 hours.

Illiquid assets like real estate, private equity, and fine art are inaccessible to many investors. Fractional ownership via tokenization unlocks new markets and liquidity.

• Operational Efficiency: Automates dividend distributions, corporate actions, and compliance (KYC/AML) through programmable tokens.
• New Revenue Streams: Creates issuance and secondary trading fees for financial institutions.
• Pilot Success: Société Générale issued a €100 million digital green bond as a security token on a public blockchain, demonstrating institutional-grade issuance and settlement.