End to End Flow

End-to End Financing Flow

1. Asset originators originates the borrower assets

2. Shares the credit data and asset information with Qiro underwriters network

3. Underwriters evaluate the risk and give the decision, rejected if not passing the evaluation.

4. Asset Originator sets up a legal entity - a special purpose vehicle - for each pool.

5. Assets are tokenized and lending pool with senior & junior tranche is created using Qiro smart contracts

6. Senior and Junior Investors(underwriters & AOs) invest their capital in the lending pool

7. Capital is deployed to finance assets by the Asset Originators

8. Asset Originator repays the financings (Principal + Interest)

9. Repayments proceeds (Principal plus interest) are distributed to the Investors

   • Senior investors receive the principal + fixed rate as per deal terms

   • Junior investors receives remaining returns and takes potential losses

10. Pool is closed