Kleo.Live

# Kleo — Next-generation E2E Loan Agent

Standardize communication between banking entities and tokenize loans to enable institutional liquidity in a secure, auditable way.

## Request Demo

### Executive Summary
Kleo orchestrates origination, negotiation, and placement of tokenized loans, reducing TAT and enabling liquid secondary markets.

### A Key Piece in the Financial Value Chain
Kleo acts as a digital broker for originators, banks, and funds; its engine orchestrates negotiations, validates documents, and packages loans for secondary markets.

### Automated Negotiation
A rules engine and agents negotiate terms (rates, terms, collateral) maximizing efficiency for originators and investors.

### Standardized Communication
Auditable messaging, mapping to standards (ISO), and interoperable formats to reduce regulatory and operational friction.

### Tokenization & Liquidity
Issues tokenized representations of loan cashflows to facilitate sale and market creation, providing visibility and traceability.

- Compliant issuance
- Liquid pools for institutional investors
- Reusable instruments in capital markets

## How It Works

1. **Institutional Connection**  
   Secure integration with core banking and origination systems to obtain data and documents in real time.

2. **Intelligent Orchestration**  
   A rules engine negotiates, validates, and prepares tradable packages ready for tokenization.

3. **Tokenization and Market**  
   Creates auditable tokenized assets and facilitates their placement in liquid markets.

## Features — E2E Process
From loan request to secondary market: Kleo executes a complete, auditable flow enabling interoperability between institutions and markets.

1. **Loan Request**  
   Process start: capture of application and initial applicant documentation.

2. **KYC / KYB**  
   Regulatory validation and identity verification for compliance and risk mitigation.

3. **Candidate Pre-Interview (Kleo)**  
   Kleo runs a structured pre-interview to evaluate eligibility and initial credit quality.

4. **Automated Negotiation**  
   Rules engine and agents that negotiate terms (rates, terms, collateral) maximizing efficiency for originators and investors.

5. **Standardized Communication**  
   Auditable messaging, mapping to standards (ISO), and interoperable formats to reduce regulatory and operational friction.

6. **Auditable, Immutable Channels**  
   Immutable ledgers on permissioned chains to ensure traceability and auditability.

7. **Cross-border Facilitation**  
   Context and adapters for international payments and settlement, reducing cross-border frictions.

8. **Tokenization & Liquidity**  
   Issues tokenized representations of loan cashflows to facilitate sale and market creation, providing visibility and traceability.

9. **Continuous Improvement**  
   Telemetry, backtesting, and rules optimization to improve spreads and time-to-market.

## Enterprise Format
Designed for product, risk, and trading: configurable modules like compliance, scoring, and connectors to custodians and settlement agents.

### Security & Traceability
Immutable trails, encryption, IAM, and regulatory reporting.

### Operational Integration
APIs, batch/real-time adapters, and onboarding playbooks.

### Token Engine
Issuance templates, custody, and settlement adapters for secondary markets.