With PledgeCheck, Setpoint is tackling the industry’s core data integrity risk and laying the groundwork for modern ABF infrastructure.
Setpoint is taking aim at the asset-backed finance market’s most urgent problem today: double pledging. Setpoint’s response is PledgeCheck, a certification that programmatically verifies borrower-provided asset information for uniqueness, data consistency and pledge accuracy across lenders. For lenders, it replaces trust-based controls with verifiable evidence. For borrowers, it’s a way to prove integrity upfront and build long-term capital access.
As the infrastructure behind over $50 billion in annual transaction volume, the platform supports over 250 originators and lenders across 25-plus asset classes. For customers running their end-to-end workflows on Setpoint, double pledging is structurally impossible. PledgeCheck extends that protection to the broader market, bringing those same systematic controls to any lender, regardless of whether they use Setpoint for funding operations.
PledgeCheck reflects Setpoint’s role as a full-stack infrastructure provider for asset-backed finance. Setpoint’s platform ingests and validates data, automates funding workflows, tracks facility performance and provides audit-ready reporting. Backed by Citi, Wells Fargo and other leading investors, Setpoint is becoming the operating layer the industry relies on to move capital with speed and confidence.
As the private credit market grows in volume and complexity, it needs technology that enforces trust, not just assumes it. PledgeCheck is a key milestone, but Setpoint’s larger vision is a more connected, transparent ecosystem where infrastructure replaces manual controls, and participants can scale securely with systems built for the future.
audrey@setpoint.io
setpoint.io
