Article

Alphidem is pleased to announce that its CRT Platform - a SaaS solution designed to serve CRT market participants - is now live for general access. CRT stands for "Credit Risk Transfer" (informally "Capital Relief Transaction"), a special type of structured credit transaction designed to reduce risk weighted assets of regulated banks by transferring credit risk to third party investors. These transactions are also referred to as "Significant Risk Transfer" transactions and by alternative abbreviations such as SRT or RST.

About the Platform

The platform provides a centralized hub for storing and managing transactional data, while enabling secure and controlled sharing across internal teams and external counterparties. It also comes equipped with built-in, segregated data rooms for each transaction. Furthermore, users benefit from the platform's built-in transaction modeling engine, which seamlessly integrates with the underlying transactional data. The engine supports the calculation of key performance indicators such as internal rate of return (IRR), loss distribution estimates, and associated risk metrics — including expected values and confidence interval bounds — providing users with a comprehensive view of potential outcomes and exposures. In addition, the platform integrates smoothly with existing workflows and commonly used tools such as Microsoft Excel, enabling users to import data directly into the platform or export transactional and modeling outputs for further analysis or reporting.

Designed for Market Participants

The platform serves issuers, investors, and third-party service providers, offering tailored functionality to meet the distinct needs of each group. Issuers benefit from a streamlined environment to organize transactional data and securely share it with pre-authorized counterparties, such as potential investors. Investors, in turn, can gain access to such shared data or build their own well-organized resources using data they manage independently. With access to the integrated modeling engine, issuers can enhance their transaction narratives by embedding relevant risk metrics, while investors can independently run analyses by applying their own assumptions and risk tolerance — enabling a more informed and transparent decision-making process for all parties involved.

Importantly, the platform is designed to offer maximum flexibility regarding data disclosure. Users can choose to work with only the minimum amount of information necessary, retaining full control over what is shared and with whom. If desired, transactions can be presented in a fully anonymized format that prevents any inference about specific counterparties or the nature of the transaction itself — whether real, indicative, or exploratory. This feature is particularly valuable when engaging with investors around potential new deals, allowing for early-stage discussions without compromising confidentiality or strategic positioning.

Getting Started

The platform is accessible at portal.alphidem.com where users can create their own account and immediately begin using the platform. After registration, they can either submit their respective company details to establish a new entity or join an existing company profile as a team member, if one has already been created by a colleague. The platform is designed to grow organically, shaped by the feedback, wishes, and evolving needs of its users — ultimately serving as a flexible toolbox for CRT market participants. Requests, suggestions, inquiries, or demo bookings can be directed to contact@alphidem.com.