Compliance

Platform Status

IUDEX is currently in pre-launch MVP stage, operating as a marketplace facilitator. The platform connects borrowers and lenders directly — IUDEX does not originate loans, hold user funds, or take positions on transactions.

IUDEX Is Not a Lender

IUDEX does not provide loans, extend credit, or make lending decisions. All loans on the platform are made by individual lenders to individual borrowers under terms they negotiate directly.

IUDEX provides the following infrastructure services:

• A marketplace for borrowers to list assets and lenders to browse available loans
• Asset authentication and custody during the loan term
• Escrow coordination through a licensed third-party escrow provider
• Loan agreement documentation via third-party e-signature services
• Shipping logistics coordination for collateral assets

Funds Handling

IUDEX never holds, transmits, or has custody of user funds at any point in the loan process. All capital flows are handled exclusively through Escrow.com, a licensed escrow service provider regulated under applicable state and federal law.

Collateral & Custody

Physical assets pledged as collateral are held in IUDEX custody for the duration of the loan. While in custody, assets are:

• Authenticated and appraised by qualified professionals upon receipt
• Stored securely in insured facilities
• Documented with condition reports and photographic records
• Returned to the borrower upon full loan repayment

In the event of borrower default, IUDEX will coordinate liquidation of the collateral asset in accordance with the loan agreement and applicable law, with net proceeds remitted to the lender up to the outstanding loan balance.

Anti-Money Laundering & User Verification

IUDEX takes financial crime prevention seriously. As part of our onboarding process, we may collect identity verification information from borrowers and lenders. This information is used solely for compliance purposes and is handled in accordance with our Privacy Policy.

IUDEX reserves the right to refuse service to any user or transaction that raises compliance concerns, including but not limited to suspected fraud, misrepresentation of asset ownership, or activity inconsistent with lawful use of the platform.

Investment Risk Disclosure

Lending through IUDEX involves financial risk. Past performance does not guarantee future results. Before committing funds as a lender, you should carefully consider:

• The risk of borrower default and the possibility of partial or total loss of principal
• The fact that collateral asset liquidation values may differ from appraised values
• That IUDEX does not guarantee any return on capital or recovery in the event of default
• That interest income may be subject to taxation — you are responsible for your own tax obligations

IUDEX does not provide financial, legal, or investment advice. If you have questions about whether participating in the platform is appropriate for your situation, consult a qualified financial or legal advisor.

Governing Law

IUDEX operates under the laws of the State of Delaware. Our Terms of Service and all platform agreements are governed by Delaware law. Users are responsible for ensuring their use of the platform complies with the laws of their own jurisdiction.