The Future of Asset Finance
Digital Capital
Capital is the pricing of risk. Digital capital makes that pricing transparent, programmable, and composable—transforming how we evaluate and deploy real-world assets.
What is digital capital?
Digital capital begins with valuation. Every real-world asset—from construction equipment to infrastructure projects—carries risk that must be priced. ubqty brings this evaluation on-chain, creating verifiable, transparent pricing for physical assets.
Once valued and tokenized as permissioned RWA NFTs, these assets become programmable capital that can be fractionalized, traded, financed through lending, or deployed across any capital structure. The risk assessment flows through every transaction—transparent and immutable.
Risk Priced
Every asset undergoes rigorous evaluation via Chainlink oracles and expert assessment
Permissioned RWA NFT
Unique on-chain representation with embedded compliance and risk data
ERC3643 Tokens
Compliant fungible tokens representing fractional ownership
Capital Formation
Access lending, equity financing, project finance, and DeFi markets
Traditional vs Digital Capital
Traditional Capital
- Opaque risk assessment processes
- Fragmented across institutions
- Slow settlement (days to weeks)
- Limited access and high barriers
- Manual compliance and reporting
- Illiquid secondary markets
Digital Capital
- Transparent, on-chain risk pricing
- Unified protocol layer
- Instant settlement on-chain
- Permissioned but accessible globally
- Automated compliance via smart contracts
- 24/7 liquid markets for fractions
AI & Digital Capital
Artificial intelligence transforms how we price risk and deploy capital. ubqty integrates AI at every layer—from asset valuation to automated capital allocation—creating a more efficient, intelligent financial infrastructure.
AI-Powered Risk Pricing
Machine learning models analyze asset characteristics, market conditions, and historical data to provide real-time risk assessments fed through Chainlink oracles.
Compute as Collateral
GPUs, servers, and AI infrastructure become tokenizable assets. Computing power is quantifiable, depreciable, and has established secondary markets.
IP & Model Ownership
AI models, training data, and algorithmic IP can be tokenized as intangible assets. Revenue from model inference creates cash flow for valuation.
Autonomous Capital Deployment
AI agents can evaluate opportunities, assess risk, and deploy capital programmatically within governance-defined parameters.
The AI Capital Stack
Use Cases
Asset-Based Lending
Use RWA NFTs as collateral for loans. Risk pricing determines rates automatically based on asset quality and market conditions.
Project Finance
Structure complex projects with multiple tranches, stakeholders, and risk profiles—all managed through transparent smart contracts.
Equity Financing
Issue fractionalized ownership in companies or projects. Compliance built-in, governance automated, cap table on-chain.
Receivables Factoring
Tokenize invoices and receivables for immediate liquidity. Risk-adjusted pricing based on counterparty creditworthiness.
Equipment Leasing
Create tokenized lease agreements with automated payments, maintenance tracking, and residual value management.
Infrastructure Investment
Pool capital for large infrastructure projects with fractional ownership and proportional returns distribution.
Due Diligence for Licensed Financing
Licensed financial entities—banks, lenders, and financing companies—require thorough due diligence before accepting any asset as collateral. ubqty's verification process ensures assets are free from encumbrances that could compromise their value as security.
What We Verify
Existing Liens
UCC filings, secured creditor claims, and any registered security interests against the asset
General Security Agreements (GSAs)
Blanket liens that may encumber the asset as part of broader corporate security arrangements
Tax Liens & Judgments
Government claims, court judgments, and statutory liens that take priority over other creditors
Lease & License Restrictions
Equipment leases, IP licenses, or contractual obligations that limit ownership rights or transferability
Environmental & Regulatory Holds
Environmental liabilities, regulatory restrictions, or compliance issues affecting asset disposition
Unencumbered Asset Certification
Before an RWA NFT can be used for financing through licensed entities, it must receive unencumbered asset certification—verification that the asset is free and clear of prior claims.
- Comprehensive lien searches across all relevant jurisdictions
- UCC-1 filing verification and subordination agreements where applicable
- GSA carve-out confirmation from existing secured creditors
- Real-time monitoring for new filings during the financing period
Why Licensed Entities Require This
Regulated lenders cannot accept collateral with unknown or undisclosed encumbrances. A GSA held by another creditor, an unreleased lien, or a pending judgment can render collateral worthless in default scenarios. ubqty's verification process provides the certainty licensed entities need to extend financing against tokenized assets.
Transform your assets into digital capital
Start with valuation, end with liquid capital. The ubqty protocol handles everything in between.