What is KaiMoney?
We are enabling securities based line of credit (SBLOC) for all, allowing you to connect to your brokerage and accessing liquidity backed by your portfolio. Analyzed by our AI underwriting model, we don't use credit score and want to offer the best rates.
Problem
Users needing liquidity must rely on traditional loans requiring credit scores, which exclude those with poor credit or undervalue their investment portfolios, leading to limited access and higher interest rates.
Solution
A financial platform enabling securities-based lines of credit (SBLOC) via AI underwriting. Users connect brokerage accounts to borrow against portfolios without credit checks, e.g., accessing instant liquidity at competitive rates.
Customers
Investors, high-net-worth individuals, and wealth managers seeking liquidity without selling assets, particularly those with strong portfolios but limited credit history.
Unique Features
AI-driven underwriting ignores credit scores, focuses on portfolio value; seamless brokerage integration for real-time collateral evaluation.
User Comments
Eliminates credit score barriers
Quick access to funds
Lower rates than traditional loans
Easy brokerage linking
Transparent AI evaluation
Traction
Launched on ProductHunt in 2024; details on users/revenue unspecified. Founder’s LinkedIn: 500+ followers.
Market Size
The global securities-based lending market was valued at $100 billion in 2023, growing with rising investment activities (Allied Market Research).
