Solution suite
Our End-to-End Platform integrates the whole lifecycle of Private & Real Estate Debt, securitized and tokenized.
Discover our innovative Solution Suite.
RIVA Solution Modules: Unleash the Power of Private Debt
RIVA Markets solution consists of 4 separate, yet integrated, modules created to issue loans natively on the blockchain, securitize and tokenize investment products, and trade them on a global marketplace.
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Solution Modules Benefits
RIVA Prime
Loan Origination System
Revolutionizing Loan Origination with Blockchain Technology
RIVA Prime is a sophisticated loan origination system (LOS) originating loans natively on chain with a fully customizable data model to implement multiple real estate and private loan types, with several advanced functions and unique benefits for the loan structuring, issuance and loan lifecycle management.
The Unique Benefits:
- Full transparency through on-chain data – The whole loan application as well as all transaction data along the loan lifecycle are immutable recorded on-chain and the loan is issued and lives natively on-chain.
- Fully customizable – The data model can be adopted for different loan types starting with real estate loans such as construction loans, finance/ refinance and bridge loans for residential, commercial, mixed-use, hotels and special projects as well as private debt such as receivables, payables, trade/ supply chain finance, corporate loans, equipment finance, a.m.m.
- Advanced project cost and loan calculation – Costs and loans can be structured and calculated with various KPI’s to verify the profitability, credit cost-coverage, risks and total costs.
- Moody’s Analytics Integrated – The integration with Moody’s analytics allows instant detailed risk analytics for our underwriting as well as investor due diligence and along the loan lifecycle.
- Multi-lingual AI Due Diligence Tool –Our proprietary AI Due Diligence tool extracts the data from the loan application and the documents in the data room and creates a due diligence report from many different languages in different languages to overcome the language-barriers in international deals.
Loans are directly issued on the blockchain, which means that the loan application and the full history along the lifecycle are recorded and cryptographically secured to ensure full transparency along the loan lifecycle.
Direct integration of Moody’s Analytics provides detailed and reliable risk analytics for better informed investment decisions.
documents for seamless sharing of information to investors.
Loan Structuring Options – Definition of loan structuring options and terms for different senior, mezzanine, and junior tranches offerings to fit investor’s terms.
RIVA Securities
Securitization and Tokenization
Convert Assets into Tradeable Securities
RIVA Securities is a powerful and efficient module that enables the creation of cost-efficient composable investment products to issue single-asset-single-borrower (SASB) securities of single loan tranches or whole loans, structured loan pools as ABS, MBS, CDO or bonds, from RIVA Prime originated loans or 3rd party loans, junior/ equity, as well as funds launched through RIVA Capital or 3rd party funds to tradeable tokenized shares. The hybrid solution allows securitization with ISIN and optional tokenization to provide ultimate flexibility and a transitional approach to digital on-chain and tokenized asset management.
The Unique Benefits:
- Efficient and flexible securitization – Cost-efficient structuring and issuance, fully digitized process with all service providers integrated.
- Hybrid as digital security and/or tokenization – Following a hybrid transitional approach assets can be securitized and tokenized at issuance or during the lifecycle for liquidity on our secondary market.
- Multiple asset types – Full flexibility in terms of asset structuring, either of single assets, pools or funds, as ABS, MBS, CDO or bond.
- Multiple jurisdiction – Issuance in multiple jurisdictions such as Luxembourg, Ireland, Switzerland, Abu Dhabi, Delaware or Offshore.
- 3rd party securitization and tokenization – 3rd party securitization and tokenization through SPV compartments, forward flows, as Swiss DLT note or other forms, fully digitized process.
Structuring and securitization of RMBS or CMBS pools in all kinds of concentration or diversification.
Tokenization of single asset securities or pools as non-fungible token for single investors or fungible tokens for fractionalized ownership of the underlying assets.
Fully composable investment structuring with similar or broad diversified assets, as well as, additional derivative options for to create investment product innovations.
RIVA Markets
Primary Issuance and Secondary Market
Invest in Primary Issued or Secondary Market Opportunities Seamlessly
The core module, RIVA Markets lists primary assets originated through RIVA Prime or from 3rd parties securitized and/or tokenized through RIVA Securities and provides a liquid secondary market to re-list and trade with multiple liquidity sources. The fully digital process streamlines the process to reduce time and costs by up to 90% from months to days or even instant. The hybrid approach enables bilateral loan agreements, securitized or tokenized settlement.
The Unique Benefits:
- Primary Issuance and Investors matching – Structured and pre-vetted loan tranches, whole loans, loan pools and funds listed and matched with investors terms.
- Secondary trading market – With our secondary trading market we provide investors faster divestment options and there with increased liquidity and take funds the risk of asset liquidations.
- Fully digital process – Streamlined process with fully transparent on-chain data, data room, AI Due Diligence, chat and deal negotiation, private terms, digital documents and signing.
- Hybrid settlement – Investments can be conducted through bilateral loan agreements and escrow settlement, securitized with ISIN and depository account or tokenized through stablecoins, tokenized deposits or other Fiat settlement on-ramps
- Multiple liquidity solutions – Through partnerships with other platforms, market maker, a DeFi liquidity pools and AMM (Automated-Market-Maker)
- Integrated portfolio management and OpenBanking API tracking – Full transparency and monitoring of underlying assets transactions, Moody’s Analytics and portfolio reports.
Our integrated dataroom provides access to all project and borrower-related documents for efficient review and due diligence.
Our AI Due Diligence tool screens all documents in the dataroom along a dynamic process and creates an initial due diligence report that can be downloaded and further worked out. The multi-lingual capability translates the documents content and is able to write the reports in many different languages.
RIVA Markets is a primary issuance marketplace to facilitate primary financing deals, but also acts as a secondary market enabling investors to list and trade assets in a secondary market seamlessly.
RIVA Capital
Fund Management Platform
Set Up and Manage On-Chain Funds
The RIVA Capital fund platform is a unique innovation for the alternative investment fund market, offering a turn-key platform for efficient set-up and management of funds fully digital, leveraging the benefits of the blockchain. The platform allows the set-up of various fund types as cell funds or stand-alone funds and master-feeder structures in multiple jurisdictions with all service providers integrated, and the tokenization of the fund shares for distribution and trading on RIVA Markets.
The Unique Benefits:
- Full-Service – Full Fund Management Service – The platform provides the full service for funds, from fund set-up to the complete management of the fund, the portfolio and the investors.
- Service provider integrated – All service providers like fund administrator, auditor, legal advisor and even regulated 3rd party investment manager in different on- and offshore jurisdictions are integrated.
- Fund tokenization – The fund shares can be directly tokenized and offered on our primary market to extend distribution and simplify the subscription process.
- Secondary trading market –With our secondary trading market we provide investors faster redemption/ trading options and therewith increased liquidity, and funds de-risking of asset liquidations.
RIVA Capital Funds
RIVA will leverage the RIVA Capital platform to issue own funds investing in multiple strategies, offering investors equity participation and debt facilities. This provides benefits to the equity and the debt investors, as debt investor can provide direct lending facilities to specific strategies with a fixed rate of the whole credit line, and for the equity investor to achieve higher returns. The funds will be tokenized, listed and traded of RIVA Markets for enhanced liquidity.
Funds on RIVA Capital can directly invest and trade digital assets on RIVA Markets, as well as, bring their assets on-chain as tokenized RWA, creating a secondary market and liquidity for those assets.
The portfolio can be fully managed digitally from the investment process, portfolio allocation management, compliance management and reporting, investor reporting to divestment.
All trades are tracked on-chain and can be used for trade reconciliation, fund accounting, NAV calculation and reporting with full transparency of each position.
Built on Provenance Blockchain, purpose-built for financial services supporting the full digitally-native lifecycle of real-world
financial assets.
Provenance Blockchain was built to address the specific requirements of debt and capital markets. Provenance Blockchain enables an integrated ecosystem where lenders can manage the full lifecycle of a loan and issuers of securities, marketplaces and exchanges, distribution partners, regulators and investors all utilize a common blockchain ledger, registry and exchange to create unparalleled value.
Learn more about Provenance Blockchain:
