Frequently Asked Questions

Ginkgo is the Family Office Operations OS for the AI Era, built for family offices (SFO/MFO) and ultra-high-net-worth families. Three core capabilities: AI-powered data ingestion for all family office data (Decoder), proactive forecasting of all passive asset events (Horizon), and customizable output in any form (Polymorph). Delivered through 19 business capabilities covering structured product event monitoring, PE/VC Capital Call forecasting, IRR attribution, and more — so Owners, CIOs, and CFOs stay fully informed.

Ginkgo serves family offices managing from tens of millions to tens of billions USD in AUM. The platform currently covers approximately $20B in assets under management across Single Family Offices (SFOs), Multi-Family Offices (MFOs), and corporate investment platforms.

Private bank portals only show assets custodied at that specific bank and typically cannot process structured product events. Ginkgo is independent of any private bank — it aggregates data from multiple custodians to provide a unified, cross-institution view of all assets. It also offers capabilities unavailable in bank portals: a structured product event engine, IRR attribution by source, and a 10-year cash flow forecast.

Full coverage: Cash, Fixed Deposit, NCD, Corporate Bond, Government Bond, Loan, Equities, ETF, REITs, Fund, Money Market Fund (MMF), Option (European/American Call/Put), Warrant (AQ/DQ), FCN, ELN, RCN, DRAN, Autocallable, PE/VC, and other alternatives including real estate and art.

Deployment takes 4–8 weeks. Pricing is a fixed annual fee — no AUM percentage, no usage-based charges. Free during deployment, $1000/month during trial, contract rate thereafter. Fully managed data operations are included at no extra charge.

Decoder is Core #1 of Ginkgo. It ingests all family office data — Email, PDF, Excel, Data Feed, contract terms, screenshot images — through AI parsing and rule validation, fully managed with zero manual input. Decoder solves four fundamental data pain points: scattered sources and chaotic formats (AI parsing, 0 manual); custodian errors discovered too late (daily two-way reconciliation, 0 lag); mismatched versions across PM/CFO/IT (single source of truth, 0 conflicts); and manual multi-asset, multi-entity, multi-currency consolidation (fully automated look-through and conversion).

Horizon is Core #2 of Ginkgo. It proactively models all passive asset events — coupon payments, dividends, Capital Calls, option exercises, maturities — before they happen, with early warnings so nothing is missed. Horizon covers the full event engine for structured products, PE Capital Calls, bond maturities, and dividend schedules. Multi-event cash flows are stacked automatically, enabling long-term liquidity planning grounded in data rather than guesswork.

Polymorph is Core #3 of Ginkgo. It delivers customizable output in any form — tables, charts, documents, dashboards, feature modules — AI-enhanced and backed by the data layer with no template limits. Three tiers: self-serve chart configuration in 10 minutes, team customization in 1 day, and pixel-perfect PPT/PDF replica in 1 week. Over 100 custom charts are already live. Reports update in real time as data flows in.

Each of the 19 business capabilities is a combination of one or more of the three cores. For example, FCN/ELN/Autocallable Knock-In Alert draws on all three: Decoder ingests the structured product contract terms and observation schedules; Horizon proactively models knock-in events and fires N-day advance alerts; Polymorph surfaces the event table and export in any format the client needs. The tags on each capability indicate which cores contribute.

Yes — all 19 capabilities are live. High-value capabilities such as FCN Knock-In Alert, IRR attribution, Capital Call cash flow integration, and AI statement parsing have deep detail pages. The remaining capabilities continue to receive progressive enhancements.

Decoder combines AI parsing with rule-based validation to handle every format family offices produce: PDF term sheets and statements, email trade confirmations, Excel uploads, structured broker Data Feeds, and screenshot images. AI parsing handles unstructured and semi-structured inputs; rule validation cross-checks the extracted fields for consistency and flags errors before ingestion. The result is a single trusted dataset — "All assets, trades, and events — in one dataset you can trust long-term."

Horizon continuously models every passive asset event — coupon payments, dividends, Capital Calls, option exercises, maturities, structured product observations — before they occur. Instead of waiting for a user query, the system fires N-day advance alerts when a projected event is approaching. Multi-event cash flows stack automatically, producing a real-time 10-year forward waterfall grounded in actual position data, not manual estimates. As Horizon's illustration puts it: "The industry's only system that forecasts structured-product events."

Polymorph offers three delivery tiers: self-serve chart and layout configuration in 10 minutes with no IT involvement; team-level customization completed in 1 day; and a pixel-perfect PPT/PDF replica of an existing client template delivered in 1 week. A traditional IT sprint cycle for a comparable custom report typically spans weeks to months. Over 100 custom templates are already live, and reports update in real time as data flows in.

FCN/ELN/Autocallable Knock-In Alert: Ginkgo ingests structured product contract terms — observation schedules, knock-out and knock-in levels, coupon frequencies, underlying prices — through AI parsing of PDF term sheets, email confirmations, or direct broker Data Feed. Once ingested, the system auto-derives every future observation date per contract rules, traceable to the master trade.

Convertible Bond Mandatory Redemption Alert: Ginkgo parses convertible bond term sheets to extract mandatory redemption trigger conditions and conversion windows. The Decoder layer ingests data from PDF statements, email confirmations, or Data Feed, then the system monitors redemption triggers and real-time conversion value automatically.

Fund Quant Metrics + Portfolio Backtest + Efficient Frontier: Input fund return tables via upload, API, or email. Decoder ingests and validates the data, then auto-calculates a full suite of quant metrics (Sharpe, Sortino, max drawdown, beta, alpha, etc.) across multi-fund portfolios, plus efficient frontier weights. Work that previously took an analyst a full day completes in 2–3 minutes.

AI Auto Data Ingestion (Statements + Emails): Clients forward PDF statements, trade confirmations, or any financial email to a designated address. Decoder's AI automatically extracts trade fields — asset type, quantity, price, currency, settlement date — from PDF and email content, then rule-based validation cross-checks and auto-ingests with zero manual effort.

Multi-Custodian Data Aggregation: A single client may hold assets across N private banks, N brokers, and N funds — each with different formats, field names, and valuation conventions. Decoder unifies all sources via Data Feed, API, and AI email parsing into one consistent dataset, performing multi-type multi-source cross-merge automatically.

Daily Trade-by-Trade Two-Way Reconciliation: Decoder performs daily trade-by-trade two-way reconciliation between Ginkgo's proprietary data layer and custodian Data Feeds. Errors are auto-detected and an instant alert is generated. Banks occasionally make errors; Ginkgo catches them the same day rather than at month-end.

Multi-Entity Cross-Consolidation: Offshore trust / corporation / individual three-tier structures are mapped through Decoder's multi-entity look-through. Cross-entity positions auto-merge and multi-currency real-time conversion is applied, producing a unified view without any manual mapping.

Fully Managed Data Operations: Clients just forward relevant emails (trade confirmations, monthly statements, etc.) to a designated address. Ginkgo's team handles all data ingestion and maintenance — free during deployment, with no extra charge for ongoing data operations.

Structured Product Quote Monitoring + Decision Support: Decoder aggregates multi-broker quotes in one view, matching client-preset conditions automatically. Each quote is enriched with analyst consensus data and KO vs target price visualization, so the family office reviews structured alternatives without contacting each broker individually.

Corporate Bond Portfolio Construction + Multi-Dimensional Risk Analysis: Decoder ingests bond data from client-defined bond pools, cross-referencing Bloomberg feeds and sell-side research. The result is a one-click portfolio analysis covering yield, duration, rate sensitivity, 13+ credit risk dimensions, cash flow waterfall, and multi-dimensional exposure — all in one view without manual Excel work.

Email Sell-Side Research AI Daily Digest: Decoder's AI ingests all sell-side research and market commentary emails received the prior day, parses Key Takeaways, and aggregates multi-house views. The digest filters content by current holdings and watchlist, so the investment team reads only what directly applies to the portfolio.

Full Trade Ledger Query + Download: Decoder stores a complete ledger of all transaction types across all accounts. Clients can filter by account, instrument, date range, trade type, or use AI smart filter for natural-language queries. One-click download exports the results — no monthly statements, no Excel assembly required.

Structured Product Observation Log: Decoder auto-derives every observation day per contract rules for AQ/DQ/FCN and other structured products. Each observation record includes trigger judgment and execution records, fully traceable to the master trade — replacing scattered broker confirmation emails.

FCN/ELN/Autocallable Knock-In Alert: Horizon proactively forecasts knock-in events by modelling each structured product's observation schedule against real-time underlying prices. The system fires an alert N days before a knock-in breach is projected — so the investment team acts before the event, never after. Proactive knock-in event forecasting, N-day advance alerts, never miss a single one.

Convertible Bond Mandatory Redemption Alert: Horizon monitors redemption trigger conditions and conversion windows in real time. When the trigger is approaching, the system issues an advance alert; conversion value is calculated in real time so the team can evaluate conversion vs. redemption with accurate numbers. Redemption trigger monitoring + conversion window reminder + real-time conversion value calculation.

Capital Call Cash Flow Integration: Clients enter each fund's Capital Call schedule — by annual, quarterly, or monthly frequency and projected amounts. Horizon automatically integrates these into the full family office future cash flow waterfall, showing projected funding gaps at each point in time. The CFO can arrange liquidity well in advance rather than being forced to sell liquid assets under time pressure.

10-Year Cash Flow Waterfall Forecast: Horizon auto-aggregates all passive events from current holdings — bond coupons, maturities, structured product observations and knock-out redemptions, PE Capital Calls, dividends, option exercises, loan interest, and more — into a 10-year forward waterfall. Multi-event auto-aggregation + real-time 10-year waterfall refresh. You can also simulate future trade and transfer plans; all downstream cash flow events update in real time.

Structured Product Quote Monitoring + Decision Support: Horizon enriches the quote view with KO probability analysis and observation date timelines — so the family office can assess not just current pricing but future event risk for each structured product under consideration.

Corporate Bond Portfolio Construction + Multi-Dimensional Risk Analysis: Horizon contributes the cash flow waterfall view within the corporate bond portfolio — showing coupon payment dates, maturity dates, and rate sensitivity across the portfolio over time, enabling forward-looking liquidity planning.

Structured Product Observation Log: Horizon auto-derives every future observation day per contract rules and monitors trigger conditions in real time. The system records execution results on each observation date and flags deviations, giving the investment team a complete forward-looking event timeline for every structured position.

FCN/ELN/Autocallable Knock-In Alert: Polymorph surfaces the knock-in event table and alert history in a configurable dashboard view. Clients can self-configure the layout in 10 minutes and export the event log to Excel or PDF on demand — with all observation dates, trigger statuses, and alert timestamps visible in one screen.

Capital Call Cash Flow Integration: Polymorph presents the Capital Call schedule alongside the full cash flow waterfall in a single view. The CFO can drill into each fund's call timeline, simulate changes to the schedule, and export a liquidity planning report in any format. Client provides call schedule + integrates with overall future cash flow + tight & safe capital allocation.

10-Year Cash Flow Waterfall Forecast: Polymorph renders the 10-year cash flow waterfall as a fully configurable chart. Clients can filter by asset type, entity, or event category; overlay simulated trade plans; and export the waterfall as a report or raw data. Multi-event auto-aggregation + real-time 10-year waterfall refresh.

Position-Level IRR Cross-Holdings Comparison: Polymorph displays IRR decomposed into component sources — dividend contribution, capital appreciation, and currency effects — at every account × every position level. Compare true investor returns across holdings after add/reduce in a single configurable view. IRR calculations complete in sub-second time.

Fund Quant Metrics + Portfolio Backtest + Efficient Frontier: Polymorph renders quant metrics in a multi-fund comparative dashboard — Sharpe, Sortino, max drawdown, beta, alpha, and more — alongside efficient frontier weight charts and historical backtest performance. Input return tables, auto-calc metrics / multi-fund portfolios / efficient frontier weights.

Multi-Entity Cross-Consolidation: Polymorph produces a unified consolidated view across offshore trusts, corporations, and individual accounts — with multi-currency real-time conversion applied. The principal sees the full family balance sheet; CFO sees entity-level breakdowns. Multi-entity look-through + cross-entity auto-merge + multi-currency real-time conversion.

10-Minute Self-Service Report Config: Users self-configure charts and report layouts directly in the interface — changing metrics, chart types, date ranges, and filters — in 10 minutes with no IT involvement. Any change takes effect immediately without queuing a development request.

1:1 PPT/PDF Replica: Ginkgo's team replicates existing PPT/PDF report designs 1:1 within one week. Over 100 custom templates have already been delivered. Once built, the replica report appears directly in each user's dashboard — generated automatically from live data, no manual assembly required.

Structured Product Quote Monitoring + Decision Support: Polymorph aggregates multi-broker quotes alongside analyst consensus and KO vs target price visualizations in a single decision-support view. Client-preset conditions auto-match incoming quotes, so the team reviews structured alternatives without contacting each broker individually.

Corporate Bond Portfolio Construction + Multi-Dimensional Risk Analysis: Polymorph delivers a one-click portfolio analysis view covering yield, duration, rate sensitivity, 13+ credit risk dimensions, cash flow waterfall, and multi-dimensional exposure — all sourced from the client-defined bond pool without manual Excel assembly.

Family Office Custom Asset Classification Tree: Polymorph allows the family office to self-define its own asset type tree — multi-level nesting, custom nodes, tree structure itself adjustable. Mainstream systems lock asset classification to a preset taxonomy; Ginkgo lets each family office define their own.

Email Sell-Side Research AI Daily Digest: Polymorph surfaces the daily digest in a configurable feed — Key Takeaways per house, multi-house view aggregation, and smart filtering by current holdings and watchlist with adjustable detail levels. The investment team reads only what directly applies to the portfolio.

Full Trade Ledger Query + Download: Polymorph renders the complete trade ledger in a multi-dimensional filter view — by account, instrument, date range, trade type — with AI smart filter for natural-language queries. One-click download exports all transaction types to Excel or CSV instantly.

Structured Product Observation Log: Polymorph surfaces the observation log in a traceable view — every observation day, trigger judgment, and execution record for each AQ/DQ/FCN position, fully linked to the master trade. System auto-derives every observation day per contract rules + trigger judgment + execution records + traceable to master trade.

Ginkgo uses multiple layers of protection: each family's data is physically isolated at the storage and compute level — no shared space between clients; position records store only encrypted IDs, so a single record cannot be traced to a specific family; all sensitive information is encrypted at rest with AWS KMS-managed keys; and procurement and usage permissions can be fully separated, protecting family identity from operational staff.

Ginkgo data is stored in AWS Singapore data centers. The company is incorporated in Singapore and governed by Singapore's Personal Data Protection Act (PDPA). Data does not leave Singapore. Full security model available on the security details page.

Ginkgo uses an identity-position decoupling architecture: position records store only encrypted IDs, so internal operations staff cannot reverse-map a single record to a specific family. PDF report exports automatically redact sensitive fields. All data access is captured in a complete audit log. RBAC enforces minimum-privilege access for operations, engineering, and client service roles.

Ginkgo provides granular Role-Based Access Control (RBAC). Feature modules and individual client datasets can be permissioned independently. Family members, financial advisors, and external auditors each receive the access appropriate to their role. Login supports multi-factor authentication (TOTP / SMS / Email). Sensitive modules can require separate authorization.

Please reach out through the following:

Website: www.iginkgo.com
Email: info@iginkgo.com