Solution · Konfyd Capital
Konfyd Capital

A new way to approach growth

We provide a new class of financial products that remove merchant credit risk and unleash top-line revenue.

How it works FAQs

Konfyd Payments Facility

An industry-first capital markets solution, enabled by our proprietary ratings model.

01
Fully funded by institutional investors
Cash, fully funded, and structured as an off-balance sheet asset.
02
Bankruptcy remote and committed
The facility stands on its own and funds are immediately accessible without restrictions.
03
Tailored to your specific portfolio needs
The facility is structured around growth objectives and expands as volume increases.

Enhanced risk ratings

Our proprietary large quantitative models enable enhanced and granular merchant credit risk ratings.

Our enhanced risk rating engine is designed for capital markets to access the payments ecosystem and absorb credit risk exposure.

Better growth outcomes

01
Increase Revenue
Drive and monetize additional transaction volume from new and existing merchants.
Today Constrained by credit risk limits
With Konfyd Volume increased
02
Decrease Losses
Significantly reduce exposure to merchant insolvency losses.
Today Loss exposure
With Konfyd Exposure transferred
03
Redeploy Capital
Comply with capital equivalency requirements while increasing capital use flexibility.
Today Capital held against exposure
With Konfyd Capital for redployment

Drive more commercial opportunities

Your only limitation is your growth ambition.

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Close higher-margin deals
Say "yes" where competitors struggle due to credit risk constraints.
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Strengthen merchant relationships
Drive more volume from your existing portfolio with best-in-class credit terms.
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Create new sources of margin
Offer more underwriting options and unlock new monetization opportunities.  

Growth scenarios

With Konfyd, you can now proactively target and close accounts that were previously out of reach. Here are four potential scenarios where we can help you win.

Overall expansion
Incremental volume uplift beyond your current growth rate, without adding reserves.
Enterprise portfolios
Remove volume caps on large enterprise merchants.
Strategic accounts
A targeted move on one large account, such as an airline or a cruise line.
Acquisitions
Eliminate credit risk exposure that comes with the acquisition of any kind of portfolio.

Common questions

Have more detailed questions? Get in touch →

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Ready to grow? Let's talk.

One meeting could change your growth trajectory.

Get in touch