Aaim/ Security & custody
Security & custody

Your assets never move.

For a line to open, your institution needs certainty that the collateral is there and can’t be spirited away. The old way was to take the asset. Aaim’s way is to observe it: a neutral observer of record establishes control while your holdings stay exactly where they are, in your name, at your custodian, the entire time.

Control vs. possession
In your name
Title never transfers
Every holding stays registered to you at your qualified custodian for the life of the line.
Read-only
By default
Aaim connects to verify and value. It cannot trade, withdraw, or move funds.
You authorize
Every filing
Nothing is pledged until you and all three parties sign. You can release at any time.
§ 1
The difference

Possession takes the asset. Control just watches it.

Traditional secured lending moves your collateral into the lender’s hands. You give something up to borrow against it. Control-based perfection, the mechanism Aaim operates, achieves the same legal certainty without the asset ever leaving your custody. The pledge is real; the holding doesn’t budge.

The old way · possession

Hand it over, then borrow.

  • Asset transfers to the lender or a pledge account
  • You lose use, upside, and visibility while it’s held
  • Moving it triggers tax events and settlement risk
  • Modern assets (equity, crypto, funds) often can’t transfer at all
The Aaim way · control

Leave it put, still borrow.

  • Asset stays at your custodian, registered to you
  • You keep the upside, the cost basis, and the view
  • Nothing settles, nothing sells, no taxable moment
  • Works precisely because the asset never has to move
If you want to borrow against your bike, the old way makes you leave the bike at the shop. You can’t ride it until you pay back. Aaim’s way lets you keep riding your bike. A trusted referee simply agrees to hold the only key that could ever give it away. You keep the bike; the lender keeps the certainty.
§ 2
The guarantees

Built so the answer is always “your assets, your name.”

Assets never moveEvery holding stays at your qualified custodian, in your name, the entire time a line is open. Aaim takes control for perfection, never possession, never custody.
custody · unchanged
Read-only by defaultAaim connects to your custodians with read access to verify and value your holdings. It has no ability to trade, transfer, or withdraw. The connection sees; it cannot touch.
access · view-only
You authorize every stepNothing is pledged until you approve it and all three parties (you, your custodian, your lender) sign the control agreement. You can release a pledge whenever the line allows.
consent · explicit
Aaim is not the lenderAaim never originates, funds, or services your loan, and never takes custody of your money or your assets. Your own financial institution makes every credit decision and holds the relationship.
role · infrastructure
Your privacy isn’t the productYour holdings are used to value your capacity and nothing else. Aaim does not sell your data, and aaim·e learns only on your side of the table. She never shares anything you didn’t ask her to.
data · yours
§ 3
The legal floor

Three ways to secure a pledge without moving a thing.

“Control” is a defined legal concept under the Uniform Commercial Code. Which mechanism applies depends on the asset, and the Reference Model already knows which one fits each coordinate. In every case, a tri-party agreement makes the pledge enforceable while the asset stays exactly where it lives.

Control regimeWhat it governsStatute
Investment propertyArticle 8Securities entitlements at a qualified custodian: public equities, vested RSUs, funds, Treasuries.§ 8-106
Deposit & paperArticle 9Deposit accounts and electronic chattel paper held under standing control instructions.§ 9-104 / -105
Digital assetsArticle 12Controllable electronic records: cryptocurrency and tokens at qualified custodians.§ 12-105

Aaim files only where a regime cleanly applies, with conservative fallbacks elsewhere. The mechanism is legal plumbing. You never have to think about which article governs your line. That’s the model’s job.

See it without
moving a thing.

Connect one custodian, read-only, and watch your capacity resolve. Nothing is pledged, nothing settles, nothing leaves your name, until you say so.

See your capacityHow the map works

Indicative figures, not an offer of credit. Your lender sets the terms, makes the credit decision, and underwrites the line.