Deploy capital into diversified private credit with institutional governance, portfolio-level risk management, and asset-level security.
Connecting fragmented private credit with global capital
EPOCH Digital Credit
EPOCH Digital Credit provides infrastructure that enables private credit to be originated, governed, and deployed under consistent institutional standards across fragmented markets.
Operating through regulated, interest-aligned partnerships, EPOCH establishes common frameworks for governance, oversight, and transparency across the private-credit lifecycle, enabling scalable participation without centralising control.
The result is a private-credit market that can function at institutional scale with discipline and repeatability, without reliance on bespoke, deal-by-deal structures.
Our Vision
EPOCH’s vision is to make private credit globally accessible by reducing structural friction and enabling efficient participation for both capital providers and credit originators across jurisdictions.
Despite strong demand, fragmented origination prevents private credit from scaling institutionally
- Fragmented Lifecycle: Origination, underwriting, structuring, monitoring, and capital allocation are performed by different parties across disconnected systems, preventing consistent transmission of data, risk, and control across the private-credit lifecycle.
- Implementation Economics: Many attractive private-credit opportunities are locally originated and operationally bespoke. Jurisdiction-specific documentation, custom underwriting, and localised monitoring make aggregation, governance, and repeatable deployment economically infeasible at institutional scale.
- Governance Misalignment: Institutional participation requires portfolio-level diversification, independent governance, disciplined risk oversight, and institutional-grade reporting. Most private-credit structures remain originator-led, creating misalignment between origination incentives and capital-preservation objectives.
- Infrastructure Gap: There is no standardised, end-to-end infrastructure connecting origination, verification, structuring, governance, and capital access across jurisdictions. As a result, participation remains operationally heavy, regulatorily constrained, and fragmented across access channels despite strong demand.
Who we serve
- InvestorsAccess to high quality SME credit, receivables & mortgages. Make transparency easy
- Platforms & IntermediariesEasily see what funds/pools are holding
- OriginatorsLeverage your network and add value to the supply chain by giving your originators access to our liquidity
- BorrowersAccess liquidity easily and quickly
Deep expertise across traditional & digital capital markets
Ken Steven
CEO
Hedge fund manager & credit market veteran as an issuer, investor & fund manager for over 20 years. Ken co-founded Infiniti Capital AG, a Swiss multi-billion-dollar fund of hedge funds operating a multi-tier-one-bank funding & leverage platform. He ran the structured products unit, the dominant driver of AuM growth & the debt capital markets unit, issuing $1b+ of ABS/RMBS.
Ken also founded and exited two non-bank mortgage lenders after securing scale up capital and wholesale funding from global institutions. He built the founding teams, obtained the retail regulatory permissions for a retail asset manager and launched a private credit fund that provides first loss funding for the securitisation funding structure.
As CEO of Epoch Partners, registered the world’s first retail crypto fund as a fund of managed accounts for the largest securities company in Japan. Launched a DeFi yield fund, co-founded a DeFi SuperApp.
Bjoern Schwarz
Deputy CEO & COO
Bjoern Schwarz has over 20 years of experience in global financial markets, with experience in investment management, portfolio management and risk oversight. He has held senior roles including Partner and CoPortfolio Manager at Crossbow Partners, where he was responsible for the development and management of quantitative and systematic investment strategies trading liquid derivatives globally.
Previously, Bjoern co-founded NAMIRA Capital, a quantitative asset manager focused on systematic investment strategies incorporating behavioural finance concepts and data-driven analytics. Earlier in his career, he was part of the senior investment team at Infiniti Capital AG, managing fund-of-funds portfolios across a broad range of hedge fund strategies.
Bjoern holds a dual degree in International Business Administration from ESB Reutlingen (Germany) and ICADE Madrid (Spain), an MBA from the University of Chicago Booth School of Business and is a CFA and CAIA charterholder.
Humza Tahir
CCO
Compliance and Operations specialist with a proven track record in global financial institutions in Europe and the Middle East. Heavily involved in digital asset compliance and regulatory applications for major financial institutions supervised by the Dubai Virtual Assets Regulatory Authority (VARA).
Humza was formerly the Chief Compliance Officer at payments firm Rain, MWek and Senior Compliance Officer/MLRO MENA at eToro. Was Global Chief Operations Officer at crypto broker and custodian, Rain. Prior to this, was Chief Compliance Officer and Head of Operations at Bitstamp, responsible for the global restructure, compliance, and operations. Worked in Financial Crime Policy and Advisory at RBC Investor & Treasury Services, providing advisory support for EU processes and policies, compliance, and regulatory review and various roles in KYC, financial crime and operations at IQ-EQ, Deutsche Bank, BNY Mellon, Bank of Ireland and RBS.
Mike Embrey
CTO
Mike is a technology expert with a commercial mindset leading Epoch’s four-person tech team. Former CTO of Slingshot DAO, a Web3 Digital Gaming project and was Head of Advanced Projects at Coinsource, where he had oversight/management of all EU technology including Linux-based kiosks connected via private APN & IPSec tunnel to Google cloud-hosted backend API allowing customers to purchase various cryptocurrencies.
Was CTO of Torca, a UK fintech focused on the reversible tokenisation of private equity where he created technical concept enabling the company to enter the 5th cohort of the prestigious FCA Sandbox. He managed the development team (Core stack using PHP, Node.js, AWS, Solidity and CircleCI) and was an FCA registered Senior Manager holding SMF3 function.
Managed various large-scale tech projects, such as building the public WiFi infrastructure and software for large stadiums, leading the world’s first public implementation of Visa Contactless Payments at the London Olympic Village.
Trusted and scaleable infrastructure for private credit
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