Kasu Finance Docs
  • Introduction to Kasu
    • What is Kasu
    • Credit Markets - A Multidimensional Problem
    • Our Unique Technology Solution
  • How Kasu Works
    • Overview of the Kasu Ecosystem
    • Lending Strategies Explained
      • Professional Fee Funding - Accounting Firms
        • Value Proposition
        • Proprietary Technology and Defensible Intellectual Property
        • Technology-Driven Risk Management & Security Structuring
        • Real-Time Risk Monitoring & Reporting
        • General Loan Terms & Credit Policy Framework
        • Superior Quality Yields
      • Taxation Funding (Tax Pay) - Diversified Businesses
        • Value Proposition
        • Proprietary Technology
        • Technology-Driven Risk Management & Security Structuring
        • General Loan Terms & Credit Policy Framework
        • Superior Quality Yields
      • Whole Ledger Funding - Professional Services Firms
        • Value Proposition
        • Proprietary Technology & Defensible Intellectual Property
        • Technology-Driven Risk Management & Security Structuring
        • Real-Time Risk Monitoring & Reporting
        • General Loan Terms and Credit Policy Framework
        • Superior Quality Yields
    • Loan Tranches Explained
    • The Role of the $KASU Token
      • $KASU Token Locking Mechanics
      • Token Utility & Rewards for Lenders
    • Lender Loyalty Levels
    • Protocol Fee Sharing
    • $KASU Launch Bonus
  • Getting Started With Kasu
    • KYC/KYB Requirements
    • Becoming a Lender
  • Lending with Kasu
    • Lending Funds
    • Tracking Your Lending Request
    • Withdrawing Funds
    • Tracking Your Withdrawal Request
    • Earning Interest
    • Understanding Epochs & Clearing Periods
      • Epochs
      • Clearing Periods
  • Maximising Your Kasu Experience
    • $KASU Token Locking and Benefits
    • Understanding Loyalty Levels
  • Risk Structuring and Security (Collateral) Structuring
    • Security (Collateral) Structuring, Covenants & Undertakings
    • Risk Reporting
    • Tranche Structuring - Loss Apportionment & Recovery of Funds
    • First Loss Capital
    • Handling Losses
  • The Technology Behind Kasu
    • Smart Contracts and Upgradability
    • The Kasu Oracle
    • Accounts Receivables Automation Software and Payments Technology
  • Addresses and Socials
    • Kasu on Social Media
  • Important Information When Lending!!!
    • Important Information
    • Frequently Asked Questions
  • Risk Warnings
    • Risk Warnings
  • Legal Notices
    • Privacy Policy
    • Platform Access and Use (Terms of Use)
  • $KASU Kingship Token Airdrop Promotion Terms & Conditions
Powered by GitBook
On this page
Export as PDF
  1. How Kasu Works
  2. Lending Strategies Explained
  3. Professional Fee Funding - Accounting Firms

Superior Quality Yields

PreviousGeneral Loan Terms & Credit Policy FrameworkNextTaxation Funding (Tax Pay) - Diversified Businesses

Last updated 4 months ago

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.

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.

  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.

  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.

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.