Frequently Asked Questions

Stratofied is a financial tech company building a blockchain-enabled marketplace with the first trading and servicing platform that makes student loan digital assets tradable, accessible, and attractive to buyers and sellers.

Stratofied converts paper notes into transferrable software packages called “tokens.” The functions of a loan are digitally programed into a token and the token interacts with the network software governing transactions. Each token includes an entire digital ledger – a complete history of the loan in perfect, immutable records, which is amended and recertified each time a transaction occurs on the network.Student loan tokenization enables transparent, secure, and efficient trading between buyers and sellers, and it can be done at scale with instant settlement. This creates new and creative financial models where lenders, schools, and students can benefit from greater liquidity and funding options.

Lenders and institutional debt holders seeking liquidity; individuals seeking income-generating assets within a values-aligned or affinity framework; educational institutions seeking additional financing options and creative arrangements; and students who benefit from improved loan terms and reduced financial pressure.

Liquidity in the student loan market; instant settlement and transparency through blockchain design; impact by supporting education financing; and financial innovation reducing reliance on traditional funding sources.

Stratofied’s student loan tokenization operates within the same legal and regulatory framework as traditional loan participation agreements. Tokenized loans are not considered securities and are not subject to regulations governing securitized assets.

Stratofied minimizes the transfer of sensitive data. Third-party payment processors securely handle payment information, and no personally identifiable information is stored on-chain. Personal and financial data is securely stored off-chain and referenced only as needed.

Stratofied allows individuals and institutions to participate without securitization or special licensing. Loans can be purchased in fractional units or whole loans, with real-time settlement, reporting, auditing, and perfect recordkeeping.

Loan origination refers to educational institutions creating and issuing student loans that are tokenized and made available on the platform. Structures vary depending on lender goals.

Loans are typically originated by financial institutions or educational institutions with financial partners. Stratofied facilitates issuance, disbursement, and record-keeping.

Loans include terms such as interest rates, repayment schedules, deferral periods, and risk profiles, as determined by the originating lender.

Blockchain enables loans to be issued and digitized into standardized smart records, facilitating trading, automation, and perfect recordkeeping.

Students apply through an underwriting process. If approved, they agree to loan terms and the loan is issued and tokenized. Disbursements occur just like traditional loans.

Creditworthiness is based on criteria such as credit history, credit score, and other financial factors determined by the lender.

Yes. Institutions can tailor loan terms to align with their educational and mission goals.

The loan is tokenized and listed on the marketplace. Tokens may be held or sold in whole, fractional, or bundled form, freeing liquidity for further lending.

The lead lender manages custody and servicing, often outsourcing to third-party servicers. Stratofied acts as a central servicing hub for payments, records, and reporting.

After delinquency and default, servicing stops and the lead lender determines collections. Purchasers may receive a pro-rata share of recovered funds.

Students make payments through a secure third-party payment processor using traditional payment methods. Payments are tracked and recorded within Stratofied’s system without requiring students to interact with blockchain technology.

Tuition loan proceeds are disbursed directly to educational institutions through traditional banking channels, similar to existing student loan disbursement processes.

No. Payments and disbursements are made in fiat currency. Cryptocurrency is not required for students, schools, or lenders to participate on the platform.

Lenders and token holders can withdraw funds through integrated banking and payment systems. Proceeds from loan repayments or asset sales are transferred to linked bank accounts using standard financial rails.