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iQSM™ 100% LTPV loan to property value, fixed zero interest rate, fixed principal repayment only (PO) loans - have an initial loan to collateral secured reserve line of 60% and are secured and pre-funded, with no deposit inputs, point buy costs or fees.

-  global

-  property finance system

-  world leading technology secured ecosystem

AiON SmartCorefixed zero interest rate loan performance is independent of local interest rate and reference rate risks and is locked-down, within a - virtual-risk-free - capital flow system designed to reduce the loan service cost while increasing ROI.


AiON SmartCore locks-down unrivalled levels of - fixed and certain funding mandate profits upfront, plus future-state yield returns that outperform a - typical - 1.875% - banking industry rated ROA benchmark by a fixed and certain multiplier of 10:1.

All PO loan accounts have reserve account offset, redraw and equity-line-reset refinance rights, and autonomously generate an unrivalled new class of localised yield asset drawing rights.

A math-regulated current and future-state - loan reset strategy based on loan equity line gains only - will pre-fund 30 years of loan repayments with a fixed local loan balance carried - while the loan currency used for the RE transaction - is irrelevant as all, local forward funding exposures (FX) are closed out, at the originating settlement date. Counter-party risks are eliminated and the credit risk is reduced to zero, across the full loan term.


We refer to all traditional or conventional mortgage loans, and securitised pass-through protocols, referenced on this website as pertaining to any, current market - IO or P&I mortgage loan or pool with a fixed or variable - interest rate % set above zero.


This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. Furthermore, this content is not directed at nor intended for use by any investors or prospective investors, and may not under any circumstances be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others.

IQSM | Intelligent Finance |
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