# Aaim

Aaim is an Asset Manager based in United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** United States
- **Region:** North America
- **Founded:** 2023
- **Assets under management:** Undisclosed
- **Website:** aaim.com
- **LinkedIn:** https://www.linkedin.com/company/aaim

## About

Aaim provides valuation methodology and legal infrastructure so credit unions and community banks can lend against modern wealth assets their systems cannot recognize. ReferenceModel supplies ASC 820 compliant fair value estimates for Level 3 assets. Legal perfection automation covers UCC Articles 8, 9, and 12, with custody integrations to establish control.

## Sectors

- FinTech
- Private Credit

## Questions

### What specific assets can Aaim's infrastructure collateralize?

Aaim's platform covers four broad categories: LP interests and fund participations, private company stock and RSUs, cryptocurrency and tokenized securities, and real estate equity including syndication participations. For each, the firm combines an asset-specific valuation methodology — for instance, 409A-informed pricing for pre-IPO equity with vesting schedule analysis — with the appropriate UCC perfection framework, such as Article 12 control for digital assets.

### How does Aaim connect to a bank's existing core systems?

Aaim describes its architecture as an additive valuation and legal-perfection layer rather than a replacement for a bank's core ledger. Its custody integrations connect directly to securities intermediaries and digital-asset custodians to establish control agreements, while its automated perfection engine handles UCC filings. The institution's core system continues to service the loan; Aaim provides the collateral recognition and risk documentation those systems cannot generate.

### What is Aaim's relationship with CU WealthNext?

Aaim has disclosed an exclusive distribution agreement with CU WealthNext, a credit union service organization. This partnership gives the early-stage firm a structured distribution channel into the credit union industry for its pledged-asset lending programs, aligning with its stated strategy of partnering with existing financial infrastructure rather than competing against it.

### What regulatory framework governs Aaim's valuation and perfection processes?

Aaim cites multiple evolving federal standards. Its ReferenceModel methodology targets ASC 820 fair-value compliance and OCC 2011-12 examiner-readiness. On the perfection side, the firm relies on UCC Articles 8, 9, and Article 12, which 33 jurisdictions have enacted to provide control-based perfection with super-priority for digital assets. Aaim also points to OCC Interpretive Letters 1183-1184 and the CFTC's approval of digital-asset collateral for derivatives as operational enablers.

### Does Aaim make lending decisions or set final underwriting terms?

No. Aaim is an infrastructure provider, not a lender. The firm's documentation is explicit that its platform generates defensible collateral values and handles perfection, but each institution sets its own LTV ranges, loan terms, and credit decisions. Aaim's risk architecture is designed to plug into the bank's existing credit-approval workflow.

## Related profiles

- [AAFMC](https://altss.com/profile/aafmc-llc)

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Last updated: 2026-08-11T15:05:57.154Z

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