KIBOV AI & ASSET ORIGINATION

Proprietary credit modeling and bankruptcy-remote structuring for Southeast Asian Non-Performing Loans. We bridge the gap between distressed real-world debt and institutional-grade digital yield.

ORIGINATION

01 / 04

Data Ingestion

Connecting via API to local loan servicers. Ingesting raw NPL metadata, payment histories, and collateral appraisals from high-growth markets.

KIBOV RISK ENGINE

02 / 04

AI Underwriting

Deep learning models clean and price the NPL portfolio, predicting recovery rates (IRR) with 94% historical accuracy based on millions of data points.

SPV ISOLATION

03 / 04

Legal Structuring

Assets are legally transferred to a Singapore-based Bankruptcy-Remote SPV. WongPartnership executes legal binding to ensure asset segregation.

ON-CHAIN ISSUANCE

04 / 04

Tokenization

ERC-20 RWA tokens minted against the SPV. Smart contracts enforce automated yield distribution directly to whitelisted institutional vaults.

CORE RISK MODEL EXECUTION

Real-time Inference

Live Terminal: KIBOV Credit Model v2.4

09:42:01[INFO] INGESTING NPL-BATCH-ID: INDO-MOTO-882... SUCCESS

09:42:05[PROC] ANALYZING 4,500 UNDERLYING CONTRACTS...

09:42:12[DATA] CROSS-REFERENCING JAKARTA RECOVERY DATABASES...

09:42:18[FLAG] 12% CONTRACTS MISSING WET SIGNATURES -> EXCLUDED FROM SPV

09:42:25[INFO] RE-CALCULATING RECOVERY PROBABILITY FOR REMAINING 3,960 Dossiers...

09:42:30[RESULT] BATCH CLEANED. TARGET NAV: $2.4M | EXPECTED IRR: 18.5%

Institutional Technology Stack

ChainlinkCertiKFireblocksWongPartnership