Infrastructure for Structured Debt
Infrastructure for the design, execution, and lifecycle management of securitisation and alternative credit products with transparency, governance, and compliance built in.
Asset Pool
SPV
Compliance
Waterfall
Tranches
Ledger
Investors
A.B RMBS 2026-1
₦14.2B
Tranches
4
WAL
3.2 yrs
DSCR
1.42x
Recent Activity
The Problem
Across emerging markets, trillions in income-generating assets sit idle on balance sheets not because demand is absent, but because the infrastructure to design, execute, and manage securitisation products doesn't exist. Deals are assembled manually. Compliance is tracked in spreadsheets. Counterparties operate in silos.
Structuring a single securitisation still takes 6–12 months of manual coordination between originators, lawyers, SPV administrators, and investors.
Most platforms stop at deal closing. Ongoing servicing, covenant monitoring, waterfall execution, and investor reporting are left entirely offline.
Regulatory alignment, KYC/AML, and reporting are bolted on after the fact, thereby creating risk, delay, and opacity for every party in the chain.
Originators, trustees, rating agencies, servicers, and investors all operate in separate systems - fragmenting data, trust, and accountability.
Platform
Five integrated modules that take you from raw assets to market-ready structured products.
Package loan assets into bankable structured debt — asset-backed notes, pass-through certificates, and more.
Launch compliant Special Purpose Vehicles with automated governance and radically reduced time-to-market.
Enable banks and fintechs to convert NPLs and performing loans into investable assets, unlocking balance sheet value.
Built-in tools for portfolio stratification, providing investor-grade visibility into underlying risk profiles.
Secure, compliant, and intuitive datarooms for investors to conduct due diligence on structured products.
Workflow
Securely link your portfolio. Our analytics engine stratifies assets, identifies opportunities, and assesses risk profiles.
Create compliant, market-ready products. Define tranches, set terms, and generate documentation seamlessly.
Offer assets to institutional partners and investors. Manage the lifecycle, reporting, payments — all on-platform.
Full Lifecycle
Oblyq doesn't stop at deal creation. We manage the entire product lifecycle, so every counterparty stays aligned, every covenant is tracked, and every payment is accounted for.
Asset pool selection, eligibility criteria screening, and portfolio ingestion via upload or API.
SPV formation, tranche design, waterfall logic definition, and offer documentation generation.
Investor matching, subscription management, settlement, and closing, all tracked on-platform.
Collections monitoring, waterfall distribution, payment reconciliation, and investor reporting.
Performance tracking, covenant monitoring, material event triggers, and regulatory compliance alerts.
Trust Architecture
Every layer of Oblyq is built around four pillars that ensure institutional-grade trust, regulatory alignment, and operational integrity.
Full audit trails, immutable ledger entries, and real-time investor reporting. Every action, every decision, every cashflow, are all visible and verifiable.
Pre-built templates for deal structures, documentation, and workflows, all aligned with regulatory guidelines to reduce bespoke legal costs.
Role-based access control, trustee instruction packs, multi-party approval flows, and counterparty-specific permission boundaries.
Built-in KYC/AML checks, automated regulatory reporting, covenant monitoring, and material event alerting — compliance that runs itself.
In Practice
See how Oblyq's infrastructure powers specific use cases across the structured credit spectrum.
A tier-1 bank packages ₦15B in non-performing consumer loans into a multi-tranche asset-backed note. Oblyq handles pool stratification, SPV creation, tranche waterfall logic, investor onboarding, and ongoing performance reporting.
A digital lender securitizes a revolving pool of ₦3B in invoice receivables. Oblyq enables continuous pool replenishment, dynamic tranche resizing, and automated investor distributions as new receivables flow in.
A property company structures ₦8B in rental cash flows from a commercial portfolio into tradeable pass-through certificates. Oblyq handles SPV setup, regulatory documentation, and ongoing rent collection monitoring.
The Transformation
6–12 months to structure a single deal
Spreadsheet-driven compliance tracking
Manual investor onboarding and KYC
Opaque deal performance reporting
Fragmented counterparty communication
Weeks, not months - automated workflows
Immutable audit trails and automated alerts
Digital subscription with built-in KYC/AML
Real-time dashboards for all counterparties
Single source of truth across all parties
Ecosystem
Transform NPLs and performing loans into investable products. Meet regulatory requirements and unlock balance sheet liquidity.
Access modern securitisation tools, scale lending operations, and connect to institutional capital with transparency.
Monetise recurring cash flows, from leases to receivables, by structuring them into marketable investment products.
Discover, evaluate, and invest in structured credit opportunities with full transparency and robust analytics.
Developer-Ready
Oblyq isn't a dashboard. It's a programmable layer for structured debt. Every operation, from SPV creation to waterfall distribution, is designed for institutional-grade reliability.
# Initialize a securitisation deal
from oblyq import Client
client = Client(api_key="obq_live_...")
deal = client.deals.create(
name="NPL Series 2025-A",
originator="BankXYZ",
asset_class="consumer_loans",
pool_size=15_000,
tranches=[
{"name": "Senior", "pct": 70},
{"name": "Mezz", "pct": 20},
{"name": "Equity", "pct": 10},
]
)
print(deal.id) # "deal_9f8k2m..."Let's discuss how Oblyq can help you navigate market demands and create new value. Schedule a private demo with our team.