You invest in Aiffin Bonds
You purchase 5-year fixed-yield bonds issued by Aiffin SPV — a dedicated bankruptcy-remote Special Purpose Vehicle (SPV) established in France solely for the benefit of bondholders.
How it works
You don’t fund ideas. You fund assets you can literally touch
Your capital moves through a structure build like a fortress
Every euro you invest follows a transparent, regulated path — designed to maximize yield and minimize risk.
How the flow works
Aiffin SPV leases vehicles
Funds are used to finance cars and commercial vehicles leased under long-term contracts to verified small businesses, drivers, and entrepreneurs.
Assets are pledged and notarized
Each leased vehicle, along with its future receivables under LLD contracts, is pledged as collateral through a notarized deed in favor of an independent Security Agent. No backdoors. No cross-liabilities.
The Security Agent protects investors
The Security Agent holds the security on behalf of all investors, monitors Aiffin’s covenants, and — if necessary — has full legal power to repossess and liquidate the assets. Your claim is first in line, above any other creditor.
You receive interest every quarter
Lease payments flow from clients → Aiffin SPV → You. You earn a 12% fixed annual return, paid quarterly, directly to your account.
100% asset-backed. 0% noise.
Protection is the foundation
Higher Yield. Lower Noise
| Layer | What It Means | Why It Matters |
|---|---|---|
| Independent Security Agent | Third-party entity controlling pledged assets | Investor security is isolated from Aiffin and any other creditor |
| Notarized Pledge | Legal deed filed with French notary | Guarantees legal enforceability under EU law |
| Insured Vehicles | All assets fully insured and GPS-tracked | Physical and financial protection of collateral |
| Granular Portfolio | Hundreds of small contracts, no concentration risk | Diversified, predictable income stream |
| EU-Regulated Framework | French SPV structure | Investor protection equivalent to institutional-grade bonds |
Our core AI underwriting platform combines data-driven credit analysis with strong compliance controls to support stable returns and sustainable growth
Invest now“
You’re not betting on appreciation — you’re earning from utility.
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You don’t rely on market mood – you rely on cash flow
In real estate, tenants pay rent. In Aiffin Bonds, entrepreneurs pay lease installments.
You’re not betting on appreciation — you’re earning from utility.
The bond yield isn’t fueled by speculation — it’s generated by real lease payments from drivers, couriers, and companies using leased vehicles. Every leased car is:
Revenue-generating
Insured and GPS-tracked
Repossessable and resellable
We’ve been doing this for a decade – and never missed a payment
Aiffin’s founders have financed thousands of small businesses and issued over €17M in bonds through their previous companies (ESKA Capital, ESKA Finance).
Every issue repaid. No defaults. No missed interest.
Now, we are building Aiffin to bring that same precision to France — combining underwriting experience, legal rigor, and AI-driven credit scoring.
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We don’t wait for luck. We build in protection
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Scenarios grid:
The bond yield isn’t fueled by speculation — it’s generated by real lease payments from drivers, couriers, and companies using leased vehicles.
If a client defaults: Vehicle repossessed within 60 days, sold, and proceeds used to repay.
If Aiffin stops operating: Security Agent activates, manages the SPV, sells pledged assets if necessary, and distributes proceeds to investors.
If vehicle prices drop: All our contracts require downpayment from the client which provides a healthy hedge against price drops and depreciation. Portfolio diversified across categories (cars, LCVs, trucks) to mitigate depreciation.
If the economy slows: Leases keep running — entrepreneurs still need vehicles to work.
Fixed. Frequent. Frictionless
AIFFIN Bonds are issued by a bankruptcy-remote AIFFIN SPV and securitized by cars, vans, and trucks under long-term leasing (LLD) contracts.
Every euro is pledged, insured, and tracked — transforming vehicle leasing into a high-yield, low-risk investment.
12% annual yield
fixed and paid quarterly
5-year term
stable horizon, no surprises
€1,000 minimum
accessible to all
Quarterly reports & portfolio updates
Option to reinvest at maturity
Your money, on schedule
This is how modern bonds should work
Transparent. Asset-backed. Legally protected.
We didn’t reinvent finance — we repaired it.
With Aiffin Bonds, your savings don’t sleep in an account.
They move, earn, and return — securely, predictably, relentlessly.