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Auto Loans Transition from Liabilities to Investable Blockchain Assets
Arlington, TX — March 26, 2026 — Agora Data, Inc. (“Agora”), a leading non-prime auto fintech and analytics platform, today announced a first-of-its-kind milestone for the auto industry: Agora-originated auto loans are now publicly available on Figure, the leading blockchain-native marketplace for the origination, funding, sale, and trading of tokenized real-world assets.
This milestone manifests the strategic partnership between Agora and Figure announced on February 26, 2026, and confirms that consumer auto loans can now exist as real-time, investable, blockchain-based real-world assets (RWAs), openly accessible to qualified market participants for the first time.
Effective today, investors can get exposure to the Auto asset class via DemoPrime on the Figure platform – through the Figure app or by visiting https://www.figuremarkets.com/c/democratized-prime/lending-pools
From Liability to Investable Asset
Historically, auto contracts have remained confined to institutional balance sheets. While they generate cash flow, these instruments have offered limited transparency, restricted access, and minimal flexibility for broader market participation. Visibility into ownership, performance, and validation has largely been limited to closed systems.
By recording auto contracts on Figure blockchain infrastructure, those same assets are digitally represented as verifiable, independently reviewable instruments with real-time performance visibility and clear ownership. Public availability allows auto contracts to function as investable assets with built-in safeguards.
“This achievement represents a structural transformation in auto finance. Auto loans are no longer confined to closed balance sheets traditionally held and managed inside financial institutions. Bringing them on-chain enables transparency, intelligence, and broader participation—while supporting smarter, more profitable consumer loan originations."
How the Platform Works
Publicly available auto contract assets are delivered through ALTRUVO™, Agora Data intelligence-powered, blockchain-based auto finance platform built on Figure infrastructure. ALTRUVO integrates Agora proprietary AI-driven underwriting, financing intelligence, and asset-level validation, enabling scalable, data-driven origination while expanding access to funding.
As part of the partnership, Agora also serves as the preferred independent review partner for auto contract assets on the Figure platform. Agora AI-powered analytics provide asset-level verification, performance transparency, and safeguards designed to prevent duplicate representation.
Each contract is uniquely validated, accurately tracked, and continuously monitored, strengthening investor confidence and maintaining data integrity across on-chain portfolios. Through the Figure platform, Democratized Prime participants can view and lend against auto finance assets, supporting liquidity and operational efficiency.
“Public availability is a defining characteristic for blockchain-based capital markets. Agora’s underwriting rigor, data discipline, and independent asset review capabilities support investor confidence. Auto loans are a compelling expansion of blockchain-enabled structured finance, grounded in real-world performance."
Advancing Fair Access and Smarter Markets
This launch reinforces Agora mission to drive smarter, more profitable consumer finance originations while expanding fairness and accessibility across financial markets. By placing auto contracts on open blockchain rails, traditional barriers are reduced and access to a critical consumer asset class is broadened.
About Agora Data, Inc.
Agora Data, Inc. is a breakthrough non-prime auto fintech platform reinventing the infrastructure of automotive finance. By fusing artificial intelligence, machine learning, and modern capital markets technology, Agora is transforming how credit is evaluated, capital is deployed, and portfolios are scaled in a historically underserved market. Purpose-built for the next generation of financial services, Agora replaces legacy systems with a fully integrated, data-driven platform that delivers real-time insights, precision credit modeling, and seamless access to institutional capital. The result is faster decisions, stronger performance, and smarter growth for lenders and dealers – advancing Agora’s mission to drive smarter, more profitable consumer loan originations.
Agora has consistently pushed the boundaries of innovation—launching the industry’s first asset-pooled non-prime auto securitization in 2020 and the first to bring U.S. auto loans on-chain as tokenized real-world assets. These milestones signal a fundamental shift toward a more transparent, liquid, and globally accessible automotive finance ecosystem. By combining embedded finance, intelligent automation, and next-generation funding solutions, Agora is not just modernizing auto finance, it is building the rails for the future. For more information, visit www.agoradata.com or call 1-877-592-4672.
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