We power
credit everywhere
Direct access to the yield fintech lenders pay for secured funding, in one senior note with monthly income in US dollars.
Invest through Debita Select
Debita Select Institutional is open today to professional investors, and an open-ended vault will follow once its terms are confirmed.
Debita Select Institutional
Up to 14%target
- One diversified note across eligible originators
- Monthly income, paid in US dollars
- Overcollateralization of at least 120%
- End-to-end transparency with Glasstape
- Minimum ticket of USD 130,000
- For eligible investors, KYC or KYB required
Debita Select Vault
Coming soon
- Deposit stablecoins and hold a token for your position
- Deposit and redemption windows between lending periods
- The same reporting through Glasstape as Debita Select
- Whitelisted access after KYC or KYB
- Indicative terms, to be confirmed at launch
Target yield indicative and not guaranteed. For eligible professional investors only. Capital is at risk.
Where the yield comes from
Originators, the fintechs and credit companies that lend to people and small businesses, grow faster than their funding, so they pay for secured capital, and Debita's layer turns that payment into your income.
Demand for credit from people and small businesses grows faster than the bank funding available to the companies that serve them, which is why those companies pay for reliable, secured funding.
How investing with Debita works
Your investment follows four steps, from the note you subscribe to the income you receive every month and the capital you get back at the end of the term.
The note is issued by an independent securitization vehicle set up under Luxembourg's 2004 securitization law, and your capital is spread across several eligible originators.
We only work with top-tier originators
They are established businesses that have been lending for years, and each one goes through months of analysis and due diligence before our Risk Committee approves it.
Years of lending
Fintechs and credit companies with a long record of lending to people and small businesses, and the full history of loans and repayments to prove it.
Months of due diligence
We review the loan data, collections, systems, governance and legal structure of each originator before any capital is committed.
Approved by our Risk Committee
Each originator is approved by our Risk Committee before it can receive capital, and Glasstape monitors it from that moment on.
Your investment, from the inside
What you own, who looks after it, what happens if something goes wrong, and how you're paid every month.
You own one senior note, paid monthly in USD, EUR or stablecoins.
Behind it sit many small, short loans from several originators, each with a cap.
Every loan is checked: its terms, and every payment it makes.
Originators make the loans and keep their clients, and the loans behind your note are out of their reach.
A trustee holds those loans, and every repayment goes to the structure's account.
Glasstape checks every loan and every payment against that account.
An independent administrator runs the vehicle behind your note, an auditor reviews its accounts and our Risk Committee approves each originator.
If an originator goes bust, its creditors can't reach the loans. They stay with the trustee.
If clients stop paying, late loans stop counting. There are more loans behind your money than you lent, and the originator takes the first losses.
If cash goes astray: repayments never pass through the originator. They go to the structure's account.
If one originator fails, the rest of your note doesn't depend on it: it's spread across several originators.
During the month, clients repay and the money reaches the structure's account within days.
Every payment is checked before anything moves on.
At the end of the month, you're paid in USD, EUR or stablecoins.
Glasstape checks every loan and every payment behind your note
Glasstape, Debita's monitoring platform, receives the data of every loan from the originator's system, checks each loan against the rules and each payment against the structure's account, and uses AI to flag what needs a closer look.
Receive every loan
The data of every loan arrives from the originator's system and is kept exactly as delivered.
Check every loan
Each loan is tested against the eligibility rules, and AI flags the patterns that need a closer look.
Match every payment
Each repayment is matched with the structure's account, and any gap opens an incident.
Report what can be rebuilt
Monthly reports that your analysts can rebuild from the raw loan and payment data.
IllustrativeLoan data received this month
Each loan checked against the program rules, and each payment against the structure's account
| Loan | Country | Balance | Rules | Account |
|---|---|---|---|---|
| LN-48213 | Peru | 312.40 | PendingEligible | PendingMatched |
| LN-50118 | Colombia | 1,104.00 | PendingEligible | PendingMatched |
| LN-51244 | Mexico | 95.80 | PendingFlagged by AI | PendingIncident open |
| The client ID matches another loan in the program, so this loan does not count as collateral until the originator resolves it. | ||||
| LN-52307 | Peru | 640.15 | PendingEligible | PendingMatched |
| LN-53390 | Colombia | 228.70 | PendingEligible | PendingMatched |
For originators
Two ways to fund your lending
If you lend to people or small businesses, Debita can fund the loans you already hold and each new loan as you make it, while origination, credit policy and the relationship with your clients stay with you.
SECURITIZATION
Funding for the loans you already hold
You assign performing loans to the structure as collateral and receive capital at the agreed advance rate.
See how it worksLEND NOW, PAY LATER
Funding for each new loan as you make it
Capital reaches your account or wallet as you lend, and is repaid as your clients repay you.
See how it worksCREDIT WALLET
Lend in digital dollars inside your own app
A white-label wallet inside your app, to disburse and collect your loans in digital dollars.
Discover the Credit Wallet
