# Superior Quality Yields

The combination of Apxium’s technology and proprietary risk structuring has enabled it to deliver significant risk-adjusted return arbitrage in private credit markets, underwritten by some of the highest creditworthy borrowers – being mid to large-tier Accounting Firms in Australia, the U.S., the U.K., and Canada.

<figure><img src="https://files.gitbook.com/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FllKWEtbGmyFJ1m1lKSJv%2Fuploads%2FlybRExDhM8DtGx43ibf9%2Fimage.png?alt=media&#x26;token=f2c22467-26fa-4123-b6f3-a02453a13712" alt=""><figcaption></figcaption></figure>

Given that the cost of financing is ultimately borne by the Firm’s client debtor, but guaranteed by the Accounting Firm via Apxium’s unique security and risk structuring, this unlocks higher risk-adjusted returns as follows:

1. **Risk-return Pricing Arbitrage**: Interest pricing is based on the risk of the Accounting Firm’s debtor, but with full security given by the significantly higher creditworthy Accounting Firm, over which Apxium has recourse.
2. **De-risked Debtor Book**: Apxium’s technology reduces debtor days by up to 50%, thereby lending to an optimised debtor book. Accounting Firms are able to therefore unlock cash tied up in working capital to meet growth objectives, which in turn provides comfort to Lenders of superior risk management of their capital for optimal risk-adjusted returns.&#x20;
3. **Real-time Risk Insights**: Apxium’s data integration IP with the Practice Managing (Billing) Software used by Accounting Firms also ensures the most sophisticated risk reporting, with real-time visibility over every invoice payment status, debtor payment, and external transactions recorded on the receivables ledger.&#x20;
4. **Innovative Credit Structuring - Automated Risk Backstop Mechanisms**: Apxium’s unique data integration of its Payment Rails with Firms’ Practice Management Systems, combined with its innovative security structuring, ensures automated risk backstops, proven through having never incurred a loss in over its entire 8 years of existence.&#x20;

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXeSVv85R-nnQsk0dCkGQCAtKR1DBGcUywdrrfxxowbaXSLbFXR2Xw8rHuy3xjnso4CUikuIJ7Swi3BWIYptgvhckg5oAiukSFUBLH7hfKGGjibyv9-t5P7QMt28lFBuf5MGCyONotyfn4lAsKi8Q2M-4Uyo?key=yqEspsW9mVoW0hEwuGLFug" alt=""><figcaption></figcaption></figure>

Hence, Kasu delivers deep value-add across the entire lending value chain. Other RWA lending platforms merely lend money, which is a commoditised product. Kasu provides technology that maximises cash flow to reduce the borrowing need for business borrowers, thereby optimising risk management to deliver superior-quality yields to Lenders.


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