PFCT's Kreple Platform Implements Buyback Guarantee Across All Apartment Investment Products

Buyback Guarantee Now Standard for New Products from June
Protecting at Least 95% of Principal and More

PFCT, the leading company in the online investment-linked finance industry, announced on June 9 that it will apply a buyback guarantee as a standard feature to newly launched apartment mortgage bond investment products on its platform 'Kreple' starting this month. Previously, this safety measure was only applied to certain high-risk products, but now it is being expanded across the board.

The buyback guarantee is a system in which a non-performing loan (NPL) management company guarantees to purchase bonds under pre-agreed conditions. Even if a delinquency occurs, this enables the prompt recovery of principal and interest, and is generally regarded as a risk management tool for investor protection.

Since July 2018, when Kreple began operating the buyback guarantee with the launch of its Adamtu product, the company has worked to expand both the range of products covered by the guarantee and the conditions for principal protection. Starting this month, PFCT will apply the buyback guarantee to almost all Adamtu products it handles.

The scope of investment protection has also been strengthened. There are four categories: protection of at least 95% of principal, 100% of principal, basic returns, and, at maximum, overdue interest. In particular, for products tagged with the "Return Care" label, up to 60 days of regular and overdue interest can now be protected, which is an enhancement over previous offerings.

Investors can easily identify the safety features applied to each product through the "Principal Care" and "Return Care" tags displayed on the apartment investment product list screen within the Kreple app. By using the filter function at the top of the product list, investors can select product tags according to their preferred safety features, making it easier to find products that match their investment preferences.

Baek Gunwoo, Executive Director of Online Investment Finance at PFCT, stated, "The full-scale expansion of the buyback guarantee is a strategic product safety measure designed to minimize potential losses that investors may face." He added, "Going forward, Kreple will continue to lead the way in establishing a trustworthy online investment environment by fully implementing the buyback guarantee through additional partnerships with reputable NPL companies."