Access institutional-grade SME credit, receivables, and mortgage opportunities with confidence. Gain full transparency across every asset and make monitoring effortless from day one.
Epoch is a credit liquidity engine connecting stablecoin & institutional capital with receivables first - then SME credit & mortgages
Orchestration & Liquidity Layer for On-Chain Credit
- A fast, secure liquidity layer connects local borrowers to stablecoin treasuries, yield vaults and institutional capital — enabling real-world credit to be funded at digital speed.
- Stablecoin liquidity is dynamically allocated across receivables, SME credit and mortgage assets based on risk, duration and yield, ensuring efficient capital deployment.
- AI-driven underwriting combined with blockchain infrastructure transforms traditionally opaque private-credit exposures into transparent, programmable digital securities.
- By standardising private credit end-to-end, the platform turns fragmented, illiquid products into a global, scalable institutional asset — engineered for treasury management, DeFi looping and next-generation capital markets.
Who we do it for
- Pools and FundsAccess to high quality SME credit, receivables & mortgages. Make transparency easy
- InvestorsEasily see what funds/pools are holding
- Software/Platform PartnersLeverage your network and add value to the supply chain by giving your originators access to our liquidity
- OriginatorsAccess liquidity easily and quickly
The Epoch Platform
Epoch Digital Credit is building the GCC’s first fully integrated credit-liquidity platform — connecting institutional investors, stablecoin treasuries and DeFi yield vaults with high-quality real-world credit assets such as receivables, SME loans and mortgages.
Our infrastructure standardises asset data, automates underwriting and servicing with AI, and turns traditionally opaque private-credit exposures into transparent, investable digital securities.
The result: private credit becomes scalable, transparent and institution-ready — bridging traditional demand for high-quality income with the growing pool of on-chain capital seeking stable, asset-backed returns.
Our Vision
By combining origination, underwriting, tokenisation, funding and secondary liquidity into a single architecture, Epoch is creating the GCC’s first end-to-end credit capital market — built to scale to billions...
Proven Experts in Credit & Digital Assets
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 portfolio tool & lending protocol.
Bjoern Schwarz
Deputy CEO & COO
Experienced professional with over 20 years in global financial markets in investment management and business innovation. He was Partner and Co-Portfolio Manager at Crossbow Partners, managing and developing a quantitative and systematic investment fund, trading liquid derivatives short-term in Asia, Europe and US with strict risk management. He was Co-Founder and Co-Portfolio Manager at NAMIRA CAPITAL, a quantitative asset manager building investment strategies that combine behavioural finance concepts with modern data analytics.
Alongside Ken at Infiniti Capital AG, he spearheaded the investment team and managed fund-of-funds portfolios exceeding $1.5 billion, across all hedge fund strategies. For Kessler & Co., a German manufacturing company, he led the external innovation unit. He advises family offices and HNWs across crypto, venture capital, and private equity.
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.
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