Verified borrowers
KYB, identity verified, confidence-scored — no spreadsheets to chase.
For institutions
Underwrite verified borrowers across every asset class.
NAI gives you confidence-scored, risk-rated borrower profiles spanning brokerage, crypto, real estate, and private assets — with the marketplace, custody options, and approval workflow built in.
Why lend on NAI
The diligence work, done before the application lands.
Right-sized risk
Risk profile, concentration index, and floor-gap on every applicant.
Your custody, your rate
Pick lender-custody, self-pledge, or platform-custody; APR within your range.
Audit-ready
Every decision logged, every score explainable, every state transition timestamped.
How lending works
Four steps from signup to first funded loan.
Apply
Three-step wizard: credentials → business identity → loan parameters.
Get approved
Admin reviews KYB + application. 1–2 business days. We tell you if something is missing.
Review applications
Borrowers matched to your range submit. You see the full collateral report — total net worth, confidence-adjusted value, NAI grade, top assets, risk flags.
Fund + manage
Accept, set APR within your band, transfer funds, track repayments through the dashboard.
What you'll see
Every borrower arrives with a defensible profile.
A sample of what you review for each loan application. The full version surfaces confidence breakdowns, risk flags, and the underlying source data per asset.
Sample borrower
B+NAI grade
Total net worth$845,000
Confidence-adjusted$762,300
AssetClassValueConfidence
VTI (Vanguard Total Stock)Public Equity$312,500High
ETH wallet (0x42f…3a1)Digital Asset$218,900High
Manhattan condo (appraisal)Real Estate$314,000Medium
Risk flags
- Concentration in alt crypto
- Real-estate valuation older than 60 days
Sample data shown for illustration. Real reports include the full audit trail per asset.
Loan types
- Fiat (USD bank)LiveBorrower receives USD; you transfer via wire/ACH.
- CeFi cryptoLiveStablecoin or BTC/ETH loan; on-chain transfer to borrower wallet.
- DeFi-routed (Aave V3)This quarterBorrower draws from Aave with NAI's portfolio-aware preview; you appear as a protocol option.
Custody models
- Lender custodyBorrower transfers collateral to you for the duration of the loan.
- Self-pledgeBorrower keeps assets; on-chain attestation that they aren't moved.
- Platform custodyHeld in NAI escrow (V1 mock — persisted DB-backed escrow planned).
Trust & onboarding
Built for institutions that audit everything.
KYB verification
Middesk-style business identity verification. Mocked today; real provider next.
Admin approval queue
Every new lender reviewed. Rejections include a reason and a resubmit path.
Profile changes reviewed
You control what's published. Admin sees diffs before they go live.
Non-custodial by default
NAI never holds borrower assets in self-pledge or lender-custody models.
Frequently asked
Common questions from lenders.
How long does approval take?
1–2 business days. We email you when the decision is made; if there's an issue, you get a specific reason and can resubmit.
Can I lend in fiat and crypto?
Yes. You configure which loan types you accept in your lender profile. DeFi-routed loans via Aave are coming this quarter.
What happens if a borrower defaults?
Depends on the custody model you picked. Lender-custody: you already hold the collateral. Self-pledge: the on-chain attestation breach triggers a workout (CeFi) or automatic liquidation (DeFi). Platform-custody: NAI escrow releases to you on a default event.
How do you verify identity and business?
Borrowers verify identity via our KYC provider; lenders verify business identity via KYB. Both are mocked in V1 with real providers (Stripe Identity, Middesk) planned next.
How does pricing work?
For pricing details, contact us.
Ready to start lending?
Self-serve signup. KYB and admin approval take 1–2 business days.