SMART QUESTIONS. SOLID ANSWERS

You’re investing in Aiffin Bonds — 5-year, fixed-rate, asset-backed securities issued by a French SPV.
Each bond is secured by vehicles and lease receivables under long-term contracts.
You earn 12% fixed annual yield, paid quarterly.
Think of it as lending to the real economy, but with all the legal structure of a professional securitization.

Anyone over 18 in the EU, UK, EEA or UA who passes our online KYC (identity verification) and AML procedure.
You don’t need to be a “sophisticated investor.” You just need common sense — and the desire for your savings to finally work as hard as you do.

Minimum €1,000.
No upper limit.
You can also top up later during the same bond series.

At the end of the 5-year term — unless you choose to reinvest in the next bond series at a loyalty bonus rate.
Meanwhile, your quarterly interest keeps landing in your account.

Yes. Every euro is backed by real, insured vehicle pledged through a notary and held by an Independent Security Agent.
Even if Aiffin disappeared tomorrow, your investment would remain legally protected and recoverable.

The Security Agent steps in, takes legal control of the collateral, sells the vehicles, and distributes proceeds to bondholders first.
This process is built into the structure — not a promise, a procedure.

● The SPV is registered in France and operates under AMF rules.● The Security Agent is an independent fiduciary company.● All collateral pledges are notarized and registered.● External auditors verify portfolio performance.
We operate like a listed bond program — minus the bureaucracy.

Absolutely.
Every leased vehicle is recorded, insured, GPS-tracked, and visible in aggregated investor reports.
You’ll know exactly how your money moves — and what it moves.

Because they’re fast, mobile, and liquid.
● Repossessable in days● Sellable within weeks in Europe’s largest secondary market● Hold ~50% of value after 3 years● Always in demand (logistics, mobility, delivery)
It’s collateral that earns every single day — not something that waits for appreciation.

Because your bank earns exactly like we do — it lends your deposits at 10–15% and pays you 2%.
With Aiffin, you become the bank. Same safety, six times the return.

Real estate is slow, expensive, and illiquid.
Let’s compare it with other options:● Bank deposits bring only 2–3% per year. They’re liquid and safe, but the returns barely cover inflation.● Real estate yields around 3–5% after tax, but it’s illiquid, requires high upfront costs, and demands constant attention — tenants, maintenance, taxes.● The stock market can offer 5–8% on average, yet it’s volatile, risky, and requires active management.● Aiffin Bonds, by contrast, deliver a 12% fixed annual yield. Your capital remains secured by real assets, with low risk and no effort required.
Real estate gives you tenant headaches.Aiffin Bonds give you quarterly income — and no phone calls about broken plumbing.

France is the largest SME mobility market in Europe.
● 4.4M self-employed professionals rely on vehicles.● 80% can’t get financing from banks.● Over €5B in unmet annual leasing demand.
It’s also one of the most legally stable, investor-protected markets in the EU.
High demand + strong law = safe yield.

Not if you know how to build a smarter structure.
Aiffin earns ~20–25% APR from clients.
We cover insurance, reserves, operations — and pay you 12%.
The difference is our profit margin, not your risk.

Crowdfunding is unsecured chaos — dozens of mini loans with no collateral.
Aiffin Bonds are regulated, notarized securities, backed by pledged assets and overseen by a Security Agent.
This isn’t retail lending — it’s professional securitization made accessible.

Bonds are issued for 5 years, but we’re building a secondary trading platform with our partner to allow early exit.
Meanwhile, you still receive quarterly interest — your money keeps moving while you hold.

Yes.
Each bond series remains open for a limited time — you can top up or reinvest interest anytime during the subscription window.

None. No entry fees. No management fees. No hidden costs.
You invest €10,000 — you earn 12% on €10,000. Simple as that.

We send monthly and quarterly reports with insights on vehicle performance, repayments, and market trends.

None — unless you consider “transparent returns” suspicious.
We earn from running the leasing business efficiently, not from taking shortcuts.
Every layer of risk is covered by insurance, oversight, and legal structure.
If that feels unusual — it’s because this kind of discipline is rare.

Yes.
Family offices, funds, and corporates can invest directly via Aiffin SPV.
We offer customized tranches, dedicated reporting, and preferential terms for commitments above €100,000.

The structure is equivalent to investment-grade, but not formally rated yet.
Once portfolio size exceeds €25M, we’ll obtain an external rating from a European credit agency.
Until then, our record — €17M in repaid bonds with 0 defaults — speaks louder than letters.

Absolutely.
We welcome investor visits in Paris.
You can review live data, see asset samples, and meet the people running the portfolio.
Transparency isn’t a feature. It’s policy.

Our AI underwriting engine, OrbitScore, analyzes:
● Bank transactions (via open banking)● Income stability● Behavioral patterns● Asset quality● Residual value forecasts
We approve only clients whose vehicles generate more than enough income to cover repayments.

1. Click Invest Now on the top right.2. Fill your name, email, and desired investment amount.3. Complete a quick KYC (ID + face check).4. E-sign your investment contract.5. Transfer funds securely.6. Start earning quarterly interest.
From click to coupon — within minutes.

● For FR tax residents we act as a tax agent withholding your income tax. ● For EU, UA residents: taxed as fixed-income returns in your country of residence.● We provide all documentation for easy filing.● No withholding tax for EU, UA investors.

At maturity, your principal is automatically returned to your bank account.
Or, choose auto-reinvest to keep earning without interruption.

We’re scaling across Europe’s mobility sector — serving more entrepreneurs, growing the asset base, and preparing for a rated bond program.
Early investors will have locked in the best yield before institutional funds push rates down.