What is E2EFi?
What is divisia?
‘divisia’ is a word we use for the state reached by the smallest number of participants necessary to embed internal control into a financial transaction via division of duties. Division of duties is the concept of having more than one person required to complete a task so as to prevent fraud and error and to build trust.
A ‘divisia’ on our system is a consortium of parties to financial transactions who can achieve internal control through agreement of the terms, conditions, roles and tasks necessary to complete those transactions from start to finish.
Our software platform maps and encodes the division of duties inherent within traditional financial transactions into a set of processes to be completed end to end (E2E) to achieve ‘divisia’.
What is the regulatory framework?
integratedCAPITAL Ltd is a Switzerland based company which owns and licences the integratedCAPITAL systems (Smart Contract Systems, E2EFiPLATFORMS and iCAP Points) to compliant entities.
integratedCAPITAL Pty Ltd holds a non exclusive licence to use the integratedCAPITAL systems in Australia. The company is regulated by ASIC and other professional bodies under current credit licensing laws.
integratedPRIVATE Pty Ltd (an associated entity) is an infrastructure, network and private cloud hosting provider supplying IT services to support and maintain the integratedCAPITAL systems.
How does integratedCAPITAL make a profit?
Who operates integratedCAPITAL?
What are smart contracts?
What are loyalty rewards and points?
Why do I need to be identified?
How does the identification work?
What are the advantages when borrowing from integratedCAPITAL?
How can I become a borrower at integratedCAPITAL?
Can I take out a loan for any reason?
How does the credit assessment process work?
We evaluate all borrowers to establish creditworthiness. This may include credit inquiries or searches of the borrower or any of their associated entities.
What type of facilities does integratedCAPITAL offer?
What transaction costs and outlays must I pay as a borrower?
Who will finance my loan?
How does the application process work?
To begin an application, we require the following information:
We compare this information with our Private Lending Guidelines. You will be notified of the outcome.
If it does meet our criteria, we conduct due diligence on the information supplied. We may contact you during this time to request additional information. If your application is acceptable and complies with our standards, we will issue a conditional letter of offer.
Upon acceptance of this offer, we require a deposit. The amount of this deposit will be specified in the conditional letter of offer.
How is my interest rate determined?
What information is shared with third parties?
How do I repay my loan?
What happens if I fail to repay my loan within the term?
Can I pay my loan back early?
Which services are free?
How do I pay transaction costs and outlays?
How can I become a lender at integratedCAPITAL?
Why must I submit bank account details when registering with integratedCAPITAL?
How does integratedCAPITAL manage risk?
Is there a minimum loan size?
Is my commitment to fund a loan binding?
What facilities are offered and are they fully dispersed?
How do I receive interest and capital repayments from borrowers?
Could I lose my capital?
What happens when a borrower fails to make payment or pays late?
How does a high level of diversification affect my earnings?
What happens to my funds in the event integratedCAPITAL no longer exists?
What transaction costs and outlays must I pay as a lender?
What services are free as a lender?