The Reditus® platform is an advanced platform for trading, investing, and collecting receivables. It increases the likelihood of recovering Non-Performing Loans (NPLs) and sunken small receivables which are socially costly. Reditus® democratizes receivables through a sustained model of utility token ownership. 
This is achieved with the Reditus® RMS (Receivable Management System), which enables the assessment and collection of receivables, and a trading system through the tokenization of outstanding receivables. NPLs, which are inevitable to manage the financial soundness of financial institutions, is an investment instrument that can achieve relatively stable returns depending on the efforts to collect receivables and collateral process. However, since certain requirements must be met to acquire NPLs in accordance with the law, individuals are less likely to directly participate in NPL investment. 
Although asset management companies that can acquire NPLs are launching NPL fund instruments through which individuals can participate in investments, still, not everyone can do so since it also requires a large amount of minimum investment. On the other hand, for small cash loans made between acquaintances without setting up a repayment schedule or interest, and for credits payments that occur frequently with regular customers, etc., creditors often suffer due to poor performing debtors, who are obligated to pay off the debts but delay payment intentionally or unintentionally.

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