Our team at ALMA has decades of experience operating and financing businesses across Asia, Africa and Latin America. We are an existing borrower on the Goldfinch protocol, having borrowed nearly $30M to provide financing to companies like Selfin, Upwards, Greenway, Impact Water and Oya Group.
Sign ALMA Non-Disclosure Agreement
The first step in getting access to the due diligence materials is to fill out a non-disclosure agreement. Click here to access the ALMA Non-Disclosure Agreement*.** After completing the agreement, you will immediately have access to the ALMA due diligence dataroom.*
Join the ALMA Pool Telegram Group
Immediately upon signing the ALMA NDA, you will be connected to the ALMA due diligence dataroom. The first item in the dataroom is an invite link to the ALMA Borrower Pool Telegram group. This group was created to give you the opportunity to communicate directly with the ALMA team and ask any questions you may have upon reviewing the due diligence dataroom.
In order to participate in this Borrower Pool (or to use the Goldfinch protocol in general), you will also need to verify your identity by minting a Unique ID NFT. You can read more about this here and can begin the process of minting your UID here. Please note that you may still be required to go through this process even if you have already completed KYC on the Goldfinch protocol. You can read the step-by-step guide for minting your UID here.
AMOUNT: $10,000,000
BACKER ALLOCATION: $2,000,000
TERM: 36 months, monthly interest payments and bullet amortization
USE OF PROCEEDS: Capital raised will fund underlying loans to companies within a specific credit box (presented in Dataroom)
ALMA CASH COUPON: 10%
TOTAL BACKER EST. APY: 47-77% (17% USDC APR to Backers + 10-20% variable* Backer GFI rewards + 20-40% matching variable* Senior GFI rewards)
*GFI Rewards: Two forms of GFI rewards whose value fluctuates based on the price of GFI, and on the amount of capital in the pool. The first is in the form of backer liquidity mining rewards distributed with every interest payment made (i.e. 10-20%). The second is in the form of matching Senior Pool liquidity mining rewards (i.e. 20-40%).
SECURITY: First-priority lien on underlying ALMA loans
KEY COVENANTS ON UNDERLYING LOANS: See credit box (presented in Dataroom)
SENIORITY / SKIN IN GAME: ALMA will contribute 2.5% of the total pool amount into the Backer Pool
RISK FACTORS: See Risk Factor Disclosures in Dataroom