BUSINESS
STO (Security Token)
Securitizing NPL returns into security tokens (STO) opens NPL investment to individual investors.
NPL STO Business
POWer AMC (Korea Niche Loan Finance) acquires NPL claims and issues security tokens (ST) that securitize the returns from recovery/sale/auction/take-over, aiming to open the door to NPL investment for general investors as well.
Going forward, we will provide a trusted, easily accessible investment environment and a platform where individuals can make fractional NPL investments.
Benefits for NPL Asset Holders
Lower funding costs
Even asset holders with low credit can securitize quality NPL assets and raise funds at lower rates
Ease of funding
Illiquid NPLs that cannot be sold immediately can be liquidated through fractional NPL trading to secure cash right away
Improved financial position
Cash inflow from the prompt sale of distressed claims improves the holder's financial position
Benefits for Individual Investors
Safety and relatively high returns
Unlike real estate, the recovery period is short (within 1–2 years), and recovery is easier through the auction process Individuals can enjoy stable, high returns once monopolized by institutional investors
Ease of investment
Individuals can make fractional NPL investments like stocks, using a mobile app
Small-amount investing
NPL investing — effectively the preserve of institutional investors (investment firms, asset managers) — becomes accessible to individuals in small amounts