Tiva Finance builds financial infrastructure for card issuance and risk management in securities-backed lending.
Our infrastructure enables partners to launch branded virtual and physical card products funded by fiat or stablecoins without having to build and operate the underlying card infrastructure themselves.
Tiva also supports shared-funding architectures where multiple cards can draw from a common funding source. This makes products such as stablecoin cards, credit cards, and other card programs more capital efficient by reducing the need to individually pre-fund every card.
Partners can use Tiva to build prepaid, debit, credit, hybrid, and other embedded card experiences for their customers.
Additionally, Tiva offers Collateral Risk Intelligence (CRI) - a risk engine for securities-backed lending. CRI continuously evaluates collateral portfolios, helps determine risk-adjusted borrowing capacity, monitors changes in volatility, liquidity, concentration, and market conditions, and identifies when an account should move from safe to watch, margin call, or liquidation.
Enable customers to launch branded virtual and physical cards funded from fiat or stablecoin balances. Tiva provides the card infrastructure connecting the underlying funding source to the card program, allowing wallets, exchanges, fintechs, and other financial platforms to add card spending without building the issuing stack from scratch.
Launch card products where customers spend against an assigned credit or overdraft limit rather than a fully pre-funded balance. Tiva's shared-funding architecture reduces the need to reserve the full value of every customer's approved limit upfront.
Tiva helps lenders, brokers, and wealth platforms manage loans backed by investment portfolios. CRI determines risk-adjusted credit limits, continuously monitors collateral for changes in volatility, liquidity, and concentration, and identifies when accounts require a margin call or liquidation.
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