We build the proof behind the yield.
Rekord builds the proof layer for real-world credit. Rekord AG builds the technology; Rekord Capital Markets operates the vaults.
Verifying a real-world asset has always meant asking the owner for a PDF, then trusting it. Rekord replaces that with continuous, cryptographic records anyone authorized can check without asking permission. We call this Provable Finance. Financial infrastructure where every claim about an asset, a borrower, or a transaction can be independently verified, at any time.
The PDF problem. And what replaces it.
Private credit still reports through documents sent after the fact: a quarterly PDF, a custodian letter, a spreadsheet of positions. Each one is a snapshot, and the reader has to trust whoever produced it.
A PDF shows what someone says was true on a reporting date. It can't show what changed between reports, and it can't be checked against the source without going back to the person who sent it.
Provable Finance swaps those snapshots for continuous attestation. Rekord Kloud anchors collateral, cashflow, and strategy records as they change, and each reader checks them on the Proof Console without asking anyone for a file.
Only hashes go onchain. The underlying statements, agreements, and position records stay with the operator, and the anchored hash proves each one existed at a given time and hasn't changed since.
Depositors
You see where your capital sits, which strategy it funds, and how the collateral behind it has moved since you deposited. You read the same record the operator works from.
Auditors
You check positions, cashflows, and document versions against their anchored hashes on your own schedule. Every change appends a new version, so the history behind a number stays intact and tamper-detectable.
Regulators
You get read-only access to the records depositors and auditors see. A supervisory review can start from anchored evidence instead of a document request.
Three layers. One capital lifecycle.
Rekord Vaults
Operated by Rekord Capital Markets: you deposit stablecoins or pledge dormant digital assets, and the vault deploys capital into a curated mix of insured receivables, real-asset lending, and structured private credit. Each vault runs with a designated curator under its own documentation and eligibility rules, and every deposit, deployment, and redemption is recorded against the proof layer.
View product →Rekord AI
Built by Rekord AG: self-hosted risk intelligence that runs inside the client's perimeter, reads financials, bureau feeds, and bank data, and produces an explainable, factor-attributed scorecard. Every score emits a cryptographic audit trail, so you can trace the credit decision behind any vault position, and weeks of credit diligence compress into minutes.
View product →Rekord Kloud + Proof Console
Built by Rekord AG: Kloud anchors collateral, cashflow, and strategy records continuously, append-only and versioned. The Proof Console gives depositors, auditors, and regulators read-only access to the same records the operator sees, across the full lifecycle: Pledge, Underwrite, Prove, Deploy, Yield, and Redeem each emit a proof.
View product →One platform. One proof layer.
Every product anchors to the same cryptographic trust layer, so verification done in one place carries into every other.
Built by the people who've done it.
Rekord is built by people who have originated credit, shipped onchain infrastructure, and put explainable AI into production, with more than five exits between them. Rekord AG is based in Zug, Switzerland.
Traditional finance
We've originated and managed real loan books, so we know the questions a credit officer asks before funding and the checks that run after. That experience is built into Rekord AI's underwriting logic, from borrower financials to collateral checks. It also shapes how vault strategies are structured: around collateral quality, automated cash flow controls with continuous reconciliation, and programmatic covenant monitoring.
Digital assets
Onchain since 2012, across custody, settlement, and smart contracts. That history informs the pledge pathway in Rekord Vaults, where custody never moves and there's no sale or unstaking, and the qualified custody arrangements behind each strategy. Rekord runs today on ETH, Base, Avax, and XDC, with an active BitGo integration and live integrations with Hashfire, Morpho, and Pareto.
AI
In production since 2009, with a focus on explainable, privacy-preserving models that credit teams can defend to a committee. Every Rekord AI scorecard is factor-attributed, every score emits a cryptographic audit trail, and the models run self-hosted inside the client's perimeter. On SMB acquisition finance, Rekord AI cuts underwriting analysis time by 95%.
Enterprise software
Security and compliance built for institutional deployment. Rekord AI runs self-hosted, so sensitive data stays inside your perimeter; the Proof Console is read-only for every external reader; Kloud records are append-only and versioned. Each design choice gives your security and compliance teams a fixed, documented boundary to review before deployment.
Track record
5+ successful exits across AI, fintech, and digital infrastructure, the same three fields Rekord now combines. Those exits taught the team to keep the product set narrow and every public claim verifiable. Rekord ships 3 products on one proof layer, and institutions can adopt them one layer at a time, starting wherever their own process needs it.
Two entities. Clear lines between them.
Rekord splits technology and capital between two entities. Rekord AG builds and runs the software; Rekord Capital Markets (RCM) operates the vaults and credit strategies that use it.
| Entity | Role | Responsible for |
|---|---|---|
| Rekord AG | Technology and proof provider. Alpenstrasse 15, 6300 Zug, Switzerland. | Rekord AI, Rekord Kloud, and the Proof Console. Operator of rekord.io. |
| Rekord Capital Markets (RCM) | Vault and credit-strategy operator. | Rekord Vaults, stablecoin strategies, and digital-asset credit lines, run with designated curators and bankruptcy-remote SPVs with institutional-grade legal protections. |
RCM works with designated vault curators, such as 9Summits on the 9SicUSDC vault. Each product carries its own documentation and eligibility rules, separate from the technology Rekord AG provides.
Rekord AG stays on the technology side and manages no assets for third parties. RCM uses Rekord AI to underwrite its strategies and Rekord Kloud to prove them.
For you, the split decides which entity sits across the table. Vault deposits and credit lines run under RCM's product documentation; agreements for Rekord AI and Rekord Kloud sit with Rekord AG.
Partners such as curators, custodians, and prime desks may work with both, each for its own part of the stack. Contact the capital markets desk for current vault parameters.
Both entities work from the same proof layer, so depositors, curators, and auditors read one set of records. The legal basis for this split is set out in the Terms of Service.