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From Biologics to Fintech.
Passionate about science, finance, health, and innovation.
Sharing observations, lessons learned, and ideas worth exploring.
Always learning.
Opinions are my own and not professional advice.
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Reef Wossen
8 posts
Reef Wossen
@Reef_Wossen
3× Science Graduate | Fintech Professional | Exploring Markets & Technology Opinions are my own and not professional advice.
United States Katılım Haziran 2026
39 Takip Edilen10 Takipçiler
I’ve always been fascinated by systems and risk management, whether in science or finance.
In this brief overview, I discuss four elements that help support the structure of Democratized Prime.
Check it out!
Figure@Figure
Democratized Prime isn’t a speculative investment, but rather one that depends entirely on real loan repayments. Four ways we mitigate risk: 1️⃣ Quality borrowers 2️⃣ Defined loan-to-value ratios 3️⃣ Overcollateralization 4️⃣ Pool hygiene @Reef_Wossen explains how it works ↓
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One of the most interesting trends in finance today is the growing accessibility of investment opportunities that were once largely limited to institutions and accredited investors.
The evolution of capital markets continues @Figure
Figure@Figure
Lend with Democratized Prime, earn strong yield with up to 8.5% APY. @Reef_Wossen explains how it works ↓
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Reef Wossen retweetledi
Figure has earned the #6 spot on the inaugural Fortune Crypto 100 list!
Digital assets are rapidly evolving, and we’re proud to be innovators in an industry that is making such a tremendous impact in fintech and across global markets.
See our ranking from @FortuneMagazine ↓
fortune.com/ranking/crypto…
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Reef Wossen retweetledi
This is a great acquisition for @Figure. Key points on the Kiavi deal:
- Massive TAM in first lien RTL and DSCR loans - first lien 25x larger than 2nd
- Kiavi 2025 numbers: $7B of volume, $250M revenue, $100M EBITDA
- $100-$200M of starting volume to Democratized Prime, majority of volume trading on Connect
- Cash $538M transaction, ~4 year unlevered payback
- Launch of AI adapter to standardize assets into Connect, Democratized Prime with Kiavi loans first to onboard
- Figure model - direct and repurposing engine for partners - should supercharge growth
- Figure maintaining 60% blended EBITDA margin target
figure.com/newsroom/compa…
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Reef Wossen retweetledi
Figure has announced the acquisition of Kiavi, the market-leading platform financing real estate investors! 🚀
This is a massive leap forward for us, adding:
🔹 $100B+ TAM
🔹 $7B annual volume
🔹 $100M+ EBITDA
🔹 <4-year unlevered payback
Alongside our long-time partner Sixth Street, we are building out a tokenized marketplace—bringing Kiavi’s post-home renovation tech to our 380+ partners. This will supercharge growth.
We are also launching our Agent-to-Agent loan originator onboarding, using these loans as the very first use case on our marketplace rails.
The future of capital markets is tokenized. We just took a massive step closer. 🌐
bloomberg.com/news/articles/…
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The future of Capital Markets is being built in real time.
Faster, more accessible, and increasingly digital.
Interesting space to watch.
Figure@Figure
Trade, borrow, earn. @Reef_Wossen, our Manager of Licensed Partnerships, explains how you can use Figure Markets today ↓
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I was going to charge for this, but f*** it.
My team just put together a 40+ page report of everything we’re seeing right now in the small biz economy.
What’s inside:
→ Real market data on SBA lending
→ Business buyer demand trends
→ Data on the ownership succession gap
→ An inside look at what small businesses are doing with AI right now
We’ve spent months doing hundreds of surveys and interviewing dozens of owners to put this together.
Now it’s yours for free.
Just:
1. Like this post
2. Comment “SMB”
And I’ll send it over.
(Make sure you’re following me so I can DM you.)
GIF
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