Web3-Native · Real-World Assets · AI Infrastructure

The AI Infrastructure for
Autonomous, On-Chain Finance

Proprietary AI agents, developer APIs and an AI-native payment system with iToken — turning institutional credit into programmable, autonomous finance.

AI Infrastructure Autonomous Agents & API AI Payment System · with iToken

Built on institutional-grade yield, tokenized from UK bridging loans — backed by real-world assets, structured to institutional standards.

Professional / accredited investors only · Target returns are not fixed or guaranteed

HSBC Citibank V&M Capital Ethereum Solana Polygon Sui The Open Network Chainlink GoPlus Security STON.fi TheOpenLayer TBook SlowMist Fireblocks Vector Capital
01 WEB3 × AI

A Web3-native platform, building autonomous AI finance.

BridgingFi is a Web3-native company. Beyond tokenised UK credit, we are building an AI layer that turns institutional lending into autonomous, programmable, on-chain finance — the infrastructure, the agents and the payment rails.

01 INFRASTRUCTURE

AI Infrastructure

A cloud-based AI infrastructure layer powering data pipelines, credit-risk models and on-chain execution across the BridgingFi stack.

02 AGENTS · API

Autonomous Agents & API

Proprietary AI agents and a developer API that monitor, advise on and execute investment decisions autonomously — programmable access to BridgingFi credit.

03 PAYMENTS · iTOKEN

AI Payment System

Together with iToken, an AI-native payment system for agent-to-agent settlement and programmable stablecoin payments.

AI capabilities described here are under active development and form part of BridgingFi's technology roadmap. Nothing on this page constitutes an offer, solicitation or investment advice.

02 PERFORMANCE

The platform, in numbers.

$50M EXISTING UK LOAN BOOK Serviced daily · migrating to BridgingFi plc
$60M BANK FACILITY Two UK bridge-lending banks
8–10%* TARGET USD NET Annualised · NAV-based
<5% HISTORICAL DEFAULT Default ≠ loss · first-charge recovery

* Target only — not fixed or guaranteed. Capital at risk. † Vector Capital UK historical loan-book data; past performance is not a reliable indicator of future results.

Aerial view of London, Tower Bridge and the Thames
LONDON · UK PROPERTY
City of London office towers
THE CITY · INSTITUTIONAL CAPITAL
Westminster and Big Ben
ENGLISH LAW · GOVERNANCE
03 THE PRODUCT

One token. Real UK credit.

GBPL PERMISSIONED
8–10%* TARGET USD NET · ANNUALISED
INSTRUMENTSTRUCTURED PRIVATE CREDIT NOTE
DENOMINATIONGBP · NAV UNIT
COLLATERALUK FIRST-CHARGE PROPERTY
ISSUERBVI SPV · BANKRUPTCY-REMOTE
ELIGIBILITYPROFESSIONAL / ACCREDITED

A GBP-denominated tokenised structured private credit note providing Eligible Investors with NAV-based economic exposure to a defined portfolio of UK property-backed bridging loans — issued by a bankruptcy-remote BVI special purpose vehicle under a professional-only private placement framework.

  • PermissionedWhitelist-only · KYC / AML on every transfer
  • NAV-basedReturns reference portfolio NAV — never fixed, never guaranteed
  • SecuredFirst-charge UK property · RICS valuations · LTV discipline
  • Gated redemptionPeriodic windows · notice periods · gates

Not a stablecoin, deposit, fund or guaranteed-yield product — eligible investors only, by private placement.

04 HOW IT WORKS

From subscription to distribution.

01

Onboard

KYC · eligibility · whitelist

02

Subscribe

Fiat or approved stablecoins

03

Deploy

BVI SPV funds UK plc — secured

04

Lend

First-charge UK bridges · 6–18 mo

05

Distribute

NAV-based · waterfall priority

8–10%*

* Annualised target after costs and reserves. Investors are paid in the waterfall before the platform earns its spread.

05 STRUCTURE

Ring-fenced by design.

ELIGIBLE INVESTORS

KYC · whitelist

BVI · ISSUER SPV

Bankruptcy-remote · issues GBPL

UK · BridgingFi plc

Originate · underwrite · service — fiat only

UK PROPERTY BRIDGE LOANS

First charge · controlled collections · security trustee

Vector Capital

Strategic lending partner & shareholder

CAPITAL STACK

SENIOR

Bank facility · ~$60M

First claim

MEZZANINE · YOU ARE HERE

GBPL · 8–10% target USD net

Cushioned by first-loss equity below

FIRST-LOSS

Sponsor equity

Absorbs losses first · paid after you

GBPL holders are note creditors of the BVI issuer — they do not directly own the loans, collateral or any group entity.

06 STANDARDS

Institutional standards, on-chain controls.

Counsel-structured

Dentons (HK) · Eden Solicitors (UK)

Bankruptcy-remote issuer

BVI SPV · independent director

Whitelist & sanctions

Screened at every transfer

First-charge security

RICS valuations · LTV discipline

NAV & audit trail

Controlled accounts · security trustee

Fiat-only UK lending

Ring-fenced from cryptoassets

07 ABOUT US

Built by founders. Governed by UK veterans.

Mandeep Sharma
CO-FOUNDER & CEO

Mandeep Sharma

V&M Capital · UK property credit

Qian Zhang
CO-FOUNDER & COO

Qian Zhang

TBook co-founder · UK banking · TradFi × Web3

Jay Xie
CO-FOUNDER & CTO

Jay Xie

Relinx · OnenessLabs · Web3 infrastructure

Agam Jain
BOARD · CEO, VECTOR CAPITAL UK

Agam Jain

30+ years in secured finance

Robin Stevens
BOARD · MHA

Robin Stevens

Head of Capital Markets · Chartered Accountant

Ross Andrews
BOARD · GUILD FINANCIAL

Ross Andrews

30+ years in corporate finance & M&A

08 INSIGHTS

Latest from BridgingFi.

INVESTOR ACCESS

Private placement. Eligible investors only.

No public offering, no online purchase — data room and subscription documents follow verification.

Request Access Investor Portal hello@bridging.fi