AiON SmartCore™  automates dynamic new capital allocation protocols via client monetary unit entitlements and funding line account rights of use - and renders all central and commercial bank aligned reserving and account service systems obsolete.

 

Digital Wallet Service​​​​​​​​​​​​​​​​

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AiON SmartCore™ one touch automated digital wallet service protocols secure - fast, simple and easy - access to unrivalled multi-line reserve based wallet-to-wallet account services and payment transactions - and render all current TradFi and DeFi promissory system accounts unsound & systemically obsolete.

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Multi-Line Reserve Secured Lending​

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AiON SmartCore™  mortgage refinance services dramatically  eliminate all out-of-pocket forward mortgage service costs and lockdown increased net disposable household income and net investment returns, and consumer spend. With zero direct PO repayment flows, between the PO-40 mortgage borrower, and lender - there is no interest, credit, duration, or forex exposure.

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PO-40 mortgages empower local borrowers to drawdown new funds for property renovation & other approved purposes, and refinance out - as pre-funded fixed zero interest rate mortgage extensions all - client eligible - revolving, instalment, and open credit based auto, credit card, real estate, investment, student loan, private school education fees & personal insurance lines.

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Improved Housing Affordability and Living Standards

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AiON SmartCore™ powers a revolutionary new purchase and mortgage refinancing system that reduces loan lifetime service costs by up to 100% with no absolutely no out-of-pocket - loan repayments to make for rolling five year loan reset periods (up to a maximum of 8 resets), across the standard PO-40 yr term.

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A PO property purchase or refinance - as an alternative to P&I or IO loans or renting - increases, client net disposable income during the 40 yr term of the new PO-40 based mortgage - by a sum - equal to the refinanced P&I or IO loan or rental costs pa.

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AiON SmartCore™ virtual-risk-free - PO-40 - mortgages have radically reduced operational risk and a maximum - initial loan exposure to both property and yield-provisioned reserve asset collateral of 25.00% only - with 0.00% exposure, by month 60.​​

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AiON SmartCore™ re-defines the foundations and soundness of all product distribution and asset management systems and reserve service functions worldwide, and renders all - interest rate referenced - full and fractional reserve systems irrelevant.

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No - central or commercial - full or fractional - reserve banking system can match, the - math-regulated - 3.2:1 - Tier-1 capital rated reserve asset collateral creation system, direct real-time reserve financial claim rights, bankable-asset audit processes, or five year, forward-horizon secured - net stable funding ratio. ​​​​​​​​​​​​​