Obligate

About Obligate

Obligate.com, operated by FQX AG, is a financial technology startup that operates in the digital asset market. Its primary service is providing an alternative financing platform for businesses that are seeking alternatives to traditional bank-based finance. The company operates under the regulations of the Swiss Financial Market Supervisory Authority (FINMA), ensuring its operations are secure and trustworthy.

Obligate.com serves two main types of clients: businesses in need of financing and investors looking for investment opportunities. Businesses, or issuers, can onboard after a Know Your Customer (KYC) process, which is a standard procedure for identifying and verifying the identity of clients. These businesses can then issue commercial paper bonds in the form of digital assets, specifically ERC 20 tokens on the Polygon platform. These digital bonds, also known as eNotes, can be transferred to third parties, providing a new way for businesses to raise funds.

On the other side, investors can access a wide range of these digital debt assets. They can subscribe to bond issuance programs and earn interest on the principal amount at maturity. The process of investing is made simple and easy, with the redemption amount being transferred directly to the investor's digital wallet.

In terms of its business model, Obligate.com makes money by facilitating these transactions between businesses and investors. While the exact details of their revenue model are not publicly available, it is likely that they charge a fee for their services, either from the issuers, the investors, or both.