You're writing
your own check.
No committee. No CIO. You make the call. We built this page for you — same offering as the institutional track, translated into the language a sophisticated individual actually uses.
A meaningful share of our investor base is exactly this profile: successful operators, professionals, and private investors who've done private deals before, know what they're doing, and don't need the diligence translated for a committee. If that's you, here's the version of our story written without the committee filter on.
Two products. Same brand. Different shapes.
Both are issued under Reg D 506(c). Both require accredited verification. Both have completed a full operating year with daily NAV records. CPA attestation engagement is in progress; our records are not yet audited by an independent firm. The question is which one fits how you think about money.
A 1-year corporate loan paying 15%.
You lend the company money for 12 months. We pay 15% annual yield. You get principal back at maturity. It's a private credit instrument — same shape as a typical direct lending allocation, just with a different underlying business.
Best fit if you want a predictable, time-bounded return with documented yield and a defined maturity date.
Equity-shaped exposure to platform performance.
A non-security utility credential whose NAV moves with platform results. FY1 closed at +76.50% Annual Differential. You're not lending — you're participating in the upside (and the downside) of how well the analytical platform performs.
Best fit if you understand the methodology, are comfortable with NAV variance, and want longer-term exposure to the category.
Mix is fine. Many of our individual investors hold both — FYN for the fixed-income sleeve, SPLT for the participation sleeve. The 15-minute intro is the right place to think through proportion.
FY1, in plain numbers.
From April 2025 to April 2026 — twelve months, daily NAV records, no asterisks. SPLT NAV moved from $1.0000 to $1.7650 over the full fiscal year. FYN holders received their contracted 15% yield over the same window. The discipline that produced those results is documented in the operating records, available under NDA. CPA attestation engagement is in progress; the records are not yet audited by an independent firm.
The honest caveat: FY1 is one year. The methodology rejected 99.7% of opportunities to get there. Past performance does not predict future results. Read the risk page before you commit anything.
Does this fit you?
Likely yes — you're accredited under Rule 501(a), you've held private credit or angel investments before, you can commit at the relevant minimum without disrupting your liquidity profile, and you understand that real risk of loss is real.
Likely no — this would be your first alternative allocation, you need the capital liquid inside a year, or the +76.50% headline is the primary reason you're here. We'd rather lose the deal than have the wrong investor in it.
Five steps, no surprises.
- 15-minute intro. Calendar with Matt or Dan. Plain English. No deck.
- Accreditation verification. Third-party, ~10 minutes online. Required by 506(c) — not optional.
- NDA + diligence package. Offering memo, legal opinion, operating records, risk disclosures. Bring your CPA and your attorney; we recommend it.
- Subscription. DocuSign, USD wire to the issuer. Custodial XDC wallet auto-created if you're buying SPLT.
- Hold. Quarterly comms, NAV reporting, annual documentation. We don't bother you between updates.
Tax, IRA, trust, estate.
Reasonable questions: UBTI if you hold through a self-directed IRA. Tax treatment of FYN interest income vs SPLT NAV-based redemptions. Whether to subscribe through a trust. Estate planning at maturity or reset.
We can walk through any of these structurally on the intro call. We are not your tax advisor or estate attorney, and we'll say so on the call. We can connect you with practitioners who already understand our structure if it helps.
How the four investor types differ.
Same products. Different paths in. Your current page is highlighted.
| Investor Type | Typical Allocation | Timeline | Primary Path |
|---|---|---|---|
| Accredited Individual You are here | $500K–$1M typical | 4–8 weeks | 15-min intro with leadership |
| Family Office | $500K–$5M typical | 4–6 weeks | Direct CEO engagement |
| RIA / Wealth Manager | $500K+ per allocation | 6–8 weeks | Advisor desk · diligence package |
| Institutional Allocator | $5M+ for active dialogue | 8–12 weeks | Full diligence + DDQ + IC support |
Some investors hold both products. Some allocate to one. The 15-min intro is the right place to think through fit.
15-minute intro is the easiest first step — book either calendar. If you've done the homework already and want to move directly to subscription, that path is open too.