Structural integrity for asset-based finance

FrameForma tests whether and how credit transactions perform by undertaking granular analysis of features, through the lens of relevant actors, in each case to examine the purpose for which they were designed against the circumstances in which they might be used. Its knowledge graph traces the documents, counterparties, controls, timing and regulatory conditions each protection depends on, and surface where those dependencies break. They evaluate whether protections survive the bridge between the legal structure and the technology that implements it.

Models show what the economics do assuming the transaction protections work. FrameForma works through the dependencies to establish what needs to be and remain true for that to happen. It establishes the conditions a quantitative model should be run against.

Internal teams have breadth and institutional knowledge, but limited time. In many cases, external advisers have a deeper bench but work with a fixed scope, and transaction timelines set constraints. FrameForma sits between them, persistent through the life of the deal and working to your policy. Its tools help you to develop, refine and maintain your risk allocation matrix to acknowledge the level of acceptance of business, compliance and legal risk.

FrameForma uses frontier AI models, but the model is one part of the system. A general-purpose model can read a document and reason about a question. Custom models support covenant monitoring, underwriting, operations and portfolio management. FrameForma is designed to do the additional work required to support the analytical layer in asset-based transactions that exists between gaps in interdependent systems. Trace protections across documents, identify the parties and controls they depend on, test qualifications and overrides, compare findings against investment policy and transaction precedent, and preserve the evidence and reasoning behind each conclusion. That context persists beyond a single prompt or transaction. As deals are reviewed, FrameForma builds a structured record of accepted positions, recurring exceptions, counterparties, regulatory dependencies and decision history to assist on the next deal. The product is the analytical framework, institutional context, evidence trail and workflow that turns general-purpose intelligence into repeatable structural assurance. That last mile integrates a portfolio and decision history in the deal flow.

FrameForma builds a knowledge graph uses synchronised agents to build, test and monitor transactions against dependencies. They persist in your transaction file to build context that takes account of your risk matrix, approvals, market insights and relationships. Use them to customise your institutional policy and customise workflows to identify potential issues and stress-test solutions. The harnesses can be natively deployed behind and above your information barriers to coordinate approved team engagement.

Yes. When your team sets a focus on the basis of an accepted or qualified risk, the knowlege graph will conform to that focus and optimise for alignment with your stance. You can use the policy builder to design or review a policy for institutional, asset class or counterparty specific frameworks or dependencies.

Asset-based finance, capital relief and risk transfer in general, with expanding capabilities across funding facilities, capital markets, receivables purchase and portfolio acquisitions. FrameForma has developed frameworks covering consumer, corporate, digital infrastructure, real estate, alternative and non-performing assets in jurisdictions including Australia, New Zealand and England. FrameForma also supports hybrid and tokenised structures where conventional assets, contractual rights, collateral or payment obligations interact with digital-asset and programmable-settlement infrastructure - it currently has a pilot tracking the parameters of one of the twenty cases examined in Project Acacia.

We run FrameForma in your environment. Our model trains on public and synthetic datasets (unless we have made a separate agreement to access private data sets for core model development). You control the exposure and terms on which we access your data. The pilot agreement sets out details.

Every deal adds context to the Lattice, turning transaction history into institutional knowledge that can inform the next one.

FrameForma is currently in beta and is being made available only for controlled pilots under direct agreements. It is not yet represented as having completed the security certifications or compliance programs that would be required for full enterprise deployment.

The production architecture is designed for resilient institutional use, including:

• Deployment. Enterprise deployments support architectures that minimise the movement of confidential transaction data outside the customer’s controlled environment and are contained by custom information barriers.
• Data sent to FrameForma. FrameForma will receive only the information required to perform the analysis and provide the service. Deployment and integration options are designed to limit transfer of source documents and sensitive data to the minimum required for the specified task.
• Retention. Customer data is subject to defined training, retention and deletion policies, with enterprise configurations that support granular consents and requirements.
• Model training. Customer documents, transaction data and outputs will not be used to train shared models or improve models for other customers without the customer’s express agreement.
• Access controls and auditability. Production deployments include role-based access controls, authentication, logging and auditable records of system and user activity.
• Compliance and certification. FrameForma does not currently claim certifications such as ISO 27001, ISO 42001 or SOC 2. Appropriate security controls, testing, documentation and certification will be implemented as the product progresses from controlled pilots to enterprise deployment.

Pilots are conducted in sub-schemas and on terms that set out specific security arrangements.

FrameForma is in private beta. Get in touch to define a pilot that tests the tool against a segment of your existing book, policies and practices (which will run in a privately controlled environment).