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01
Why FinEX Asia
We are digital.
FinEX Asia connects professional investors with screened, high quality, low volatility asset classes through our easy to use, secure platform. With our strategic partnerships, experienced financial leadership, and huge growth potential, we are set to become a powerful global fintech player and a robust bridge between Asian investors and the best investments in the world.
02
How it Works
We offer easy and secure platform for investors to access high quality, low volatility asset classes such as U.S. consumer loans, without the heavy, awkward infrastructure of a bank.
1/5How it Works
1
Qualified Asian Investors
Qualified Asian investors are always looking for quality assets with high interest rates, short tenure and very diversified risks. U.S. Consumer loans is considered as an attractive alternative asset class.
2/5How it Works
2
Online Platform
Leveraging on FinEX Asia’s online platform, combining FinEX Asia team’s risk management expertise and advanced fintech capabilities, qualified Asian investors can now easily invest into U.S. consumer loans.
3/5How it Works
3
U.S. Institutional Lenders
Through the platform, they are now connected to many U.S. institutional lenders and can monitor their investments real-time.
4/5How it Works
4
U.S. Borrowers
The U.S. institutional lenders are currently providing consumer loans to tens of thousands of U.S. borrowers with a market size of USD 3.8 trillion.
5/5How it Works
5
Investment Return
When the borrowers repay their loans each month, investors are able to enjoy higher return from a low-cost infrastructure.
03
What is Consumer Credit

Consumer credit is a debt that a person incurs when purchasing a good or service. It includes purchases obtained with credit cards, lines of credit and some loans.

“Consumer asset is available to everyone and better still it is available to a low-cost platform, which means enhanced yield.”

Maggie Ng
Our Founder & CEO

04
Why invest in Consumer Credit
Attractive returns with a low default rate
1
Large Loan Volume
3.8 Trillion USD
worth of credit
in the US
Source:
Q4 2017, Federal Reserve Bank of St. Louis
2
Low Default Rate
3.61 %
Source:
Q4 2017, Federal Reserve Bank System
3
Attractive Gross Interest Rate
14.99 %
Source:
Q4 2017, Federal Reserve Bank of St. Louis
U.S. Fixed income returns
2013 - 2017
Credit Card Loans, All Commercial Banks
Source: FinEX Asia
BofA Merrill Lynch US High Yield BB Option-Adjusted Spread©, Percent, Daily, Not Seasonally Adjusted
Source: Federal Reserve Bank of St. Louis
BofA Merrill Lynch High Yield Emerging Markets Corporate Plus Sub-Index Option-Adjusted Spread©, Percent, Daily, Not Seasonally Adjusted
Source: Federal Reserve Bank of St. Louis
Moody's Seasoned Baa Corporate Bond Yield Relative to Yield on 10-Year Treasury Constant Maturity©, Percent, Daily, Not Seasonally Adjusted
Source: Federal Reserve Bank of St. Louis
Moody's Seasoned Aaa Corporate Bond Yield Relative to Yield on 10-Year Treasury Constant Maturity©, Percent, Daily, Not Seasonally Adjusted
Source: Federal Reserve Bank of St. Louis
20-Year 2-3/8% Treasury Inflation-Indexed Bond, Due 1/15/2025©, Percent, Daily, Not Seasonally Adjusted
Source: Federal Reserve Bank of St. Louis
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