Private credit workflows + tokenization, unified

The private credit operating system built for modern managers.

Invest AI unifies origination data, portfolio accounting, risk controls, investor reporting, and on-chain loan pool tokenization — so you can scale faster with cleaner ops.

Audit-ready ledgers USDC settlement paths Role-based controls Tokenized pool shares
Invest AI • Portfolio Console Live preview
Assets under administration
$1.28B
+4.1% MoM
Active loans
3,412
Healthy
Tokenized pools
27
USDC
Trusted foundations

Built for institutional workflows, without the institutional pain.

Modern UX over serious infrastructure: reconciliation, permissions, reporting, and a tokenization-ready data model.

CREDIT FUND
SERVICER
CUSTODY
AUDIT
RISK
BROKER
Platform

Everything you need to run private credit — in one place.

Stop stitching together spreadsheets, PDFs, and siloed systems. Invest AI gives you a single source of operational truth.

Loan data + servicing ledger

Standardize loan terms, cashflows, covenants, and events with an audit-friendly history.

  • 1 Schedule + accrual engine
  • 2 Event sourcing (amendments, paydowns)
  • 3 Reconciliation workflows

Portfolio accounting

Daily positions, balances, realized/unrealized P&L, and multi-currency views for sleeves and pools.

  • 1 Daily close + exceptions
  • 2 NAV / performance reporting
  • 3 Investor statements

Tokenized pool shares

Issue fungible “pool share” tokens representing a pro-rata claim on a loan pool, with controlled mint/burn.

  • 1 USDC settlement rails
  • 2 On-chain share minting
  • 3 Off-chain compliance gates
Workflow

From loan ingestion to tokenized pool accounting.

A simple model: sleeves hold assets (loans, cash, tokens). Pools aggregate sleeves. Share tokens represent pool ownership.

How it works

Designed to be rebuilt, reconciled, and audited — without chaos.

1
Normalize loan data Ingest deals, cashflows, and events into a consistent schema (terms, accrual, schedule).
2
Aggregate into pools Group loans into sleeves, then roll sleeves into pools for reporting, NAV, and exposure views.
3
Issue pool share tokens Mint/burn fungible shares for subscriptions/redemptions while tracking off-chain entitlement.
4
Reconcile daily Daily balances/positions tables + activity logs for explainability and audit trails.

Example: pool share token mint (concept)

Authority is a PDA, so clients call your program, which CPIs into SPL Token.

// Anchor pseudo-flow
initialize_pool() creates:
  - PoolState PDA
  - USDC vault ATA
  - Share mint (authority = PoolState PDA)

mint_shares(amount):
  - validate subscription off-chain
  - CPI to SPL Token mint_to
  - invoke_signed(seeds, bump) for PDA authority
USDC (6 decimals) PDA mint authority Daily reconciled ledgers
Security

Controls that your ops, compliance, and auditors can live with.

Secure by default: access controls, immutable logs, and clear separation between off-chain eligibility and on-chain settlement.

Role-based permissions

Limit who can approve pricing, initiate mint/burn, or post adjustments. Every action is attributable.

Audit-ready activity logs

Write activity tables (balances/positions) designed for “explain the delta” reporting.

Compliance gates

KYC/KYB/KYT integration points for whitelisting, transfer restrictions, and policy enforcement.

Pricing

Pricing that scales with your operation.

Start lean, then add modules as you ramp: accounting, reporting, tokenization, and integrations.

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Core Ops

For small teams getting out of spreadsheets.

$2,000
/ month
  • Loan data normalization
  • Activity + audit logs
  • Basic reporting exports
  • Email support
Get started

Tokenization

For tokenized pool shares and USDC settlement workflows.

$12,000
/ month
  • Pool share mint + burn flows
  • USDC vault accounting
  • Compliance integration points
  • Custom reporting + APIs
Talk to sales

Pricing shown is illustrative. Final pricing depends on assets, integrations, and support requirements.

FAQ

Common questions

Clear answers for ops, engineering, and compliance stakeholders.

What does “pool share token” mean here?

A fungible SPL token representing a pro-rata ownership share of a loan pool. Subscriptions and redemptions map to mint/burn events, while eligibility and transfer constraints can be enforced off-chain or via allowlists.

Can a Python client mint tokens if the authority is a PDA?

Not directly. PDAs can’t sign client-side. Your Python client calls your Anchor program instruction; the program then CPIs to the token program with PDA signer seeds (invoke_signed) to mint.

How do you handle daily reconciliation?

By design: “activity” tables record every movement, and “daily” tables store start/end/delta fields for balances and positions. This makes it easy to explain changes, identify breaks, and generate audit trails.

Where does pricing data come from?

Invest AI supports pluggable pricing sources (internal marks, vendor feeds, oracles). For on-chain indexed rates, you can read oracle data (e.g., SOFR) off-chain, then post signed updates to on-chain programs under strict controls.

Ready to see Invest AI?

We’ll walk through your workflow (origination → servicing → accounting → reporting → tokenization) and map the fastest path to production.

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