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NPLUS is the digital and independent platform that makes the exchange of non-performing loans simple, reliable and secure. Thanks to the blockchain technology NPLUS represents a reliable between supply and demand for NPL trading.

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Looking for a solution to address the NPL market deficits

NPLUS offers a simple and safe answer to solve the main inefficiencies of the NPL market.

Complex and expensive processes

Lack of standardized procedures, which often require a lot of intermediation, long times and high costs

Poor transparency

Market characterized by asymmetries of information, poorly standardized and reliable data

Limited number of investors

High costs and long times for evaluations and negotiations make participation difficult for many operators

An NPL transaction platform, providing an exchange where banks and investors could trade NPLs based on standardised data templates, can help address these market failures and reduce the wide bid-ask spreads on NPLs, thus contributing to a faster clean-up of bank balance sheets.

Financial Stability ReviewECB, Nov 2017

A well-functioning transaction platform may have the potential to create active, liquid and efficient secondary markets for NPLs in Europe. It would contribute to reducing the degree of market failure in the European secondary markets for NPLs, helping to address information asymmetries, increase creditor coordination, and broaden the investor base, thus leading to improved market pricing of NPLs.

Working document on European Platforms for Non-Performing LoansEC, Nov 2018

NPLUS: the independent marketplace

NPLUS represents an independent tool to free access the market of non-performing loans, capable of guaranteeing the maximum reliability of the information managed, and the highest security standards in the execution of offers and transactions.

Efficient

NPLUS guarantees extremely rapid execution times on operations

Transparent

NPLUS ensures transparency and reliability of all the information present in the marketplace

Flexible

NPLUS adheres to the guidelines provided in the new regulatory reforms (EBA, Gacs etc.)

Safe

NPLUS adopts the highest security and confidentiality standards with Blockchain tecnology

Complete

NPLUS allows you to enter the document set of credits within a secure Data Room

Compliant

NPLUS contains tools to support privacy management and GDPR requirements

Open to Buyers and Sellers

NPLUS stimulates the growth and development of the secondary market for NPL credits, making the marketplace accessible for buyers and sellers of NPLs.

for SELLERS for BUYERS

For sellers maximum control and security

Decide how to sell

Decide if you want to auction your portfolio for a quick and efficient sale or use the showcase mode to get contacted by the operators
(available a valid template containing the letter of intent)

Choose the participants

You can involve all operators on the platform or select operators who can access information from your portfolio and participate in the auction

Make sure total compliance

We facilitate the signing process of NDA and DPA between stakeholders with a simple and automated exchange process
(available NDA and DPA templates to guarantee the compliance with the privacy and GDPR regulations)

For buyers a simple and transparent process

Find interesting portfolios

Find a portfolio of interest through advanced search filters

Ask the seller for more information in a totally confidential way

Evaluate the Data Tape

Evaluate the portfolio by accessing the information contained in the Data Tape

Access the Data Room to perform a simple due diligence process

Make an offer

Bid on an auction portfolio

Get in touch with the seller if you are interested in a featured portfolio

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The innovation of the NPL market from the experience of a unique team

We have combined the skills and experiences of Sydema and Mangrovia Blockchain Solutions for a unique solution in the NPL market.
Sydema has been operating and developing high-level information systems for 40 years for the optimized management of all phases of impaired loans. Mangrovia Blockchain Solutions is a leading software house in the consultancy, development and integration of blockchain solutions and DLTs. Oracle completes our achievement as a partner of technological excellence.

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