What Aaim does

Aaim is a New York-based financial technology infrastructure company that enables credit unions and community banks to originate pledged-asset loans against alternative wealth holdings that traditional core banking systems cannot see, value, or collateralize. The platform is anchored by ReferenceModel, a patent-pending universal coordinate system for financial instruments implemented as a directed acyclic graph that classifies 10M+ instruments at 99.7% accuracy across 50+ asset types, including cryptocurrency, private equity, LP interests, RSUs, tokenized securities, and pre-IPO equity. Supporting modules include a Legal Perfection Engine automating UCC Articles 8, 9, and 12 filings across all 50 states, custody integrations with Coinbase Custody, BitGo, Anchorage, and Fireblocks, a Collateral Health Alert system with 15-minute monitoring intervals for liquid assets, and a Quantum Verify module implementing NIST post-quantum cryptographic standards.

The company generates revenue through a hybrid model combining a platform subscription fee with transaction-based charges per funded loan and per valuation event; pricing is volume-dependent and not publicly disclosed. Distribution is exclusively B2B via channel partnerships rather than direct-to-consumer: the exclusive five-year agreement with CU WealthNext CUSO is the sole route to the U.S. credit union market, supplemented by integrations with major core banking platforms (CU*Answers, Symitar, Corelation, NCR/Digital Insight) and a consumer-facing app (app.aaim.com) that connects to 12,000+ institutions via Quiltt aggregation for indicative pledging capacity. Aaim employs 1-10 people, was founded in 2018 (per company history), is incorporated in Delaware, and is privately funded with no disclosed institutional venture capital investors.

The company pursues a regulatory-first go-to-market, with examiner-ready documentation aligned to OCC 2011-12, FFIEC, NCUA Letter 18-CU-03, and BSA/AML requirements, plus a True Lender Architecture attested across all 50 states. SOC 2 Type II certification is in progress with a target of Q2 2026. The platform's December 2025 CFTC tokenized collateral pilot validation represents the most recent external regulatory endorsement of the infrastructure.

Name

Aaim

Legal name

Aaim, Inc.

Website

https://aaim.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Aaim builds infrastructure that lets credit unions and community banks lend against alternative wealth (crypto, private equity, RSUs, LP interests, tokenized securities) using its patent-pending ReferenceModel valuation system, distributed exclusively through channel partnerships such as the CU WealthNext CUSO.

Ownership category

akta.pro rank

Product category

Alternative Asset Lending Infrastructure

NAICS

Credit Intermediation and Related Activities (522), Securities and Commodity Exchanges (52321)

SIC

Finance Services (6199), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), RWA Tokenization Platforms (asset onboarding, structuring, issuance) (FSAPAIAC), Asset-Based Lending (ABL) (FSANADAD)

Keywords

• Pledged-asset lending
• Collateral valuation platform
• Alternative asset lending
• Credit union infrastructure
• UCC perfection automation

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Platform Subscription Fee: Subscription fee providing access to the Aaim platform, integration support, and ongoing maintenance. Structured to maintain Aaim's position as a technology provider separate from credit economics.
2. Transaction-Based Fees: Per funded loan fees and per valuation event fees. Transaction fees apply per loan originated using the platform and per collateral valuation or monitoring event. This structure aligns Aaim's success with program volume while providing predictable costs for institutions.
3. Valuation Event Fees: Fees charged per collateral valuation event across supported asset types. Supports the ongoing monitoring and refresh of valuations for pledged collateral.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Aaim provides institutional infrastructure that enables credit unions and community banks to originate pledged-asset loans against alternative assets including cryptocurrency, private equity, LP interests, RSUs, tokenized securities, and real estate equity. The platform combines the ReferenceModel universal valuation methodology (covering 53 asset types at 99.7% classification accuracy with a 14-minute median refresh rate), automated UCC Articles 8/9/12 legal perfection across 50 states, and direct custody integrations with qualified digital asset custodians and core banking platforms. Revenue is generated via platform subscriptions plus per-funded-loan and per-valuation-event transaction fees.

Product overview

Aaim is an institutional infrastructure provider for alternative asset lending, offering a platform-plus-modules architecture centered on the ReferenceModel—a universal coordinate system for financial instruments that enables consistent valuation and classification across 50+ asset types. The core platform provides asset verification, collateral valuation via patent-pending reinforcement learning methodology, and regulatory compliance documentation. Supporting modules include: Legal Perfection Engine for automated UCC filing and control agreements; Quantum Verify/QVToken for post-quantum identity attestation; aaim·e as a private AI assistant; UCC Perfection Engine; True Lender Architecture; and the Aaim Compliance Assurance Framework (ACAF). The consumer-facing Aaim app enables individuals to view pledging capacity. Aaim serves credit unions and community banks exclusively through distribution partnerships, primarily with CU WealthNext CUSO.

Differentiator

Problem solved

Functional benefit

Brands

• ReferenceModel: Patent-pending universal coordinate system for financial instruments that classifies and values assets across public, private, and digital categories.
• Quantum Verify
• Aaim Horizon
• Aaim Frontier
• SocketCloud
• aaim·e

Products and services

• ReferenceModel Universal coordinate system for financial instruments that maps every asset class (public, private, and digital) to a precise location for consistent valuation and classification. Patent-pending reinforcement learning methodology compliant with ASC 820 and OCC 2011-12, providing examiner-ready documentation across 53 asset types with 99.7% classification accuracy and a 14-minute median refresh rate.
• Legal Perfection Engine Automated UCC Articles 8, 9, and 12 coverage with 50-state UCC-1 filing automation including jurisdiction determination, debtor name validation, collateral description generation, and continuation tracking with automated reminders before 5-year expiration. Provides control-based perfection for digital assets with super-priority and generates tri-party control agreements between lender, borrower, and custodian.
• Custody Integrations Direct connections to securities intermediaries and qualified digital asset custodians including Coinbase Custody, BitGo, Anchorage, and Fireblocks. Enables automated account connection, position verification, and control agreement workflows backed by technical infrastructure rather than documentation alone.
• Quantum Verify Post-quantum cryptography module for identity attestation using NIST FIPS 203, 204, 205 standards (CRYSTALS-Kyber/ML-KEM for key encapsulation, CRYSTALS-Dilithium/ML-DSA for digital signatures). Provides zero-knowledge proofs for KYC completion, regulatory compliance, and vendor assessment without exposing underlying personal data.
• QVToken Cryptographic identity attestation token containing proof-of-verification metadata (not personal data) anchored to a distributed ledger audit store for tamper evidence. Supports mint, verify, and revoke lifecycle with Merkle proof verification.
• aaim·e Private AI assistant that observes only what the user permits, trains exclusively on user data, and turns financial data into language. Provides conversational briefings to the user and never acts, moves money, or shares data without explicit request. Privacy-preserving design with data sealed with a user-only key.
• Cooperative Reserve Token (AAIM) Fungible, yield-bearing utility token maintaining 1:1 parity with U.S. dollars on the Aaim Blockchain, designed to enable instant, atomic inter-institution settlement for credit unions with 100% collateralization. In development.
• Aaim Consumer App Consumer-facing web application enabling individuals to connect custodian accounts (read-only) via Quiltt aggregation to 12,000+ institutions, view indicative pledging capacity across alternative assets, and find participating credit unions for pledged-asset lending. All lending decisions remain with partner institutions.

Quantifiable outcome

• Borrower rate advantage of 300-600 bps lower borrowing cost vs unsecured alternatives
• +5 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

AI capability10 records

Feature6 records

Partnerships

15 partnerships are on record, tiered core and supporting.

• CU WealthNextcoreChannel Partner/ Reseller/ Distributor · 30 July 2024Exclusive five-year agreement integrating Aaim's embedded technology into CU WealthNext's wealth management solutions for credit unions nationwide. CU WealthNext distributes Aaim's pledged-asset lending platform exclusively to its credit union network. The partnership empowers credit unions to maximize existing deposits, offer private banking-like services to all members, and compete with large banks without outside capital.
• ATTOM DatasupportingTechnology or IntegrationProperty and title data provider providing comprehensive property data including ownership records, transaction history, and valuation signals for real estate collateral underwriting.
• QuilttsupportingTechnology or IntegrationFinancial data aggregation via open banking connectivity. Account aggregation infrastructure connecting to 12,000+ financial institutions for real-time portfolio visibility across brokerage, custodian, and banking accounts.
• First American TitlesupportingTechnology or IntegrationTitle search and verification services ensuring clean ownership for real estate-backed lending. Supports the real estate equity collateral type in the platform.
• CU*AnswerscoreTechnology or IntegrationCooperative core banking provider serving 400+ credit unions with integrated lending and member management. Platform integration enables pledged asset loans to appear and behave like traditional loans in existing systems without special handling for servicing or reporting.
• BankjoysupportingTechnology or IntegrationDigital banking platform enabling seamless member experiences for credit unions and community banks. Integration supports the consumer-facing pledged-asset lending experience.
• Google Cloud PlatformsupportingTechnology or IntegrationPrimary cloud infrastructure provider for compute, storage, and networking. Sub-processor registered for data processing. SOC 2, ISO 27001, FedRAMP certified.
• Amazon Web ServicessupportingTechnology or IntegrationCloud infrastructure and content delivery. Sub-processor registered for data processing. SOC 2, ISO 27001, FedRAMP certified.
• Microsoft AzuresupportingTechnology or IntegrationCloud services, identity management, and integration capabilities. Sub-processor registered for data processing. SOC 2, ISO 27001, FedRAMP certified.
• DratasupportingTechnology or IntegrationCompliance monitoring and automated evidence collection platform. Used for continuous compliance validation across SOC 2, ISO 27001, PCI-DSS, NIST-CSF, GDPR, and CCPA frameworks. Integrates with Aaim's ACAF meta-framework.
• PlaidsupportingTechnology or IntegrationFinancial account connectivity and data aggregation. Sub-processor enabling account linking for financial data. SOC 2 certified.
• Coinbase CustodysupportingTechnology or IntegrationQualified digital asset custodian integration for cryptocurrency collateral. Custodian qualification requires SOC 2 Type II certification, proof of reserves audits, segregated customer accounts, insurance coverage, and regulatory registration where applicable.
• BitGosupportingTechnology or IntegrationQualified digital asset custodian integration for cryptocurrency collateral under UCC Article 12 framework.
• AnchoragesupportingTechnology or IntegrationQualified digital asset custodian integration for cryptocurrency collateral under UCC Article 12 framework.
• FireblockssupportingTechnology or IntegrationQualified digital asset custodian integration for cryptocurrency collateral under UCC Article 12 framework.

Scale indicators12 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Blend: Blend is a digital lending infrastructure platform serving banks, credit unions, and mortgage lenders with cloud-based loan origination and workflow automation. It is directly comparable because both companies sell B2B lending infrastructure SaaS into credit unions and community banks, focusing on modernizing workflows for non-traditional collateral and asset types.
• Figure Technologies: Figure Technologies operates a blockchain-native lending platform providing home equity lines of credit, mortgage refinance, and private student loan products with a proprietary blockchain ledger. Comparable to Aaim because Figure focuses on alternative/illiquid asset lending infrastructure and uses technology to enable lending against non-traditional collateral.
• LoanPro: LoanPro provides cloud-based loan servicing and lending management software for banks, credit unions, fintechs, and alternative lenders. Directly comparable as B2B SaaS infrastructure for consumer and secured lending workflows sold to credit unions and community banks.
• Figure Lending (Figure Connect): Figure's blockchain-based HELOC and lending products pioneered using crypto and alternative asset collateral, paralleling Aaim's pledged-asset approach. Both compete in modernizing collateral recognition for lenders.

Broad incumbents

• SoFi Technologies: SoFi is a large digital financial services platform offering lending, investing, and banking products including personal loans and securities-backed lending. Comparable to Aaim as a broad incumbent that competes in alternative-asset lending but at consumer scale rather than as B2B infrastructure for credit unions.
• nCino: nCino is a cloud banking platform providing loan origination, deposit account opening, and risk management software to banks and credit unions. Comparable as a broad incumbent in financial institution SaaS with overlapping workflows in commercial and consumer lending.

Emerging players

• Maple Finance: Maple Finance is a decentralized credit marketplace for institutional borrowers with on-chain lending infrastructure. Comparable as an emerging player building lending infrastructure for non-traditional assets with technology-forward valuation frameworks.
• Centrifuge: Centrifuge is a real-world asset (RWA) tokenization protocol enabling on-chain financing against receivables and other alternative assets. Comparable as an emerging player in the RWA tokenization and alternative asset lending infrastructure space.
• Liquifi: Liquifi provides token vesting, cap table, and on-chain equity management infrastructure for private companies issuing tokenized securities. Comparable to Aaim in addressing private company stock and tokenized securities as part of pledged-asset lending infrastructure.
• Betterment for Business: Betterment offers institutional 401(k) and SMB retirement solutions, with adjacent offerings in securities-backed lending and wealth management for institutions. Comparable as a financial institution-facing alternative asset and wealth infrastructure provider.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aaim