# Ginkgo

> Ginkgo is an institutional-grade investment management platform built exclusively for family offices (SFO, MFO) and ultra-high-net-worth families. It covers all asset classes, integrates data from global custodians, and includes a complete structured product event engine, AI-powered daily research summaries, IRR attribution, and 10-year cash flow forecasting. Currently covering approximately USD 10 billion in assets under management.

## Company

- Founded: 2021, Singapore
- Team: Core members from a USD 100B+ internet company; financial advisors from Goldman Sachs, J.P. Morgan, CICC, Hillhouse Capital
- Platform scale: 370 accounts, 44,622 transactions/year, 846 structured products under management, 372,933 reconciliations/year
- Contact: info@iginkgo.com | www.iginkgo.com

## Who Ginkgo Serves

- Single Family Office (SFO): unified real-time view across assets held at multiple private banks
- Multi-Family Office (MFO): physical data isolation per family, consolidated operations
- Corporate Investment Platform: institutional accounting, compliance audit trail, custom reporting

## Supported Asset Classes

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 (Fixed Coupon Note), ELN (Equity-Linked Note), RCN (Reverse Convertible Note), DRAN (Digital Return Accumulation Note), Snowball Autocallable, PE/VC, and other alternatives (real estate, art).

## Core Capabilities

### 1. Multi-Custodian Data Aggregation

Ginkgo connects to any private bank or broker offering a Data Feed service, and can also ingest statements from any institution via AI-powered email parsing. Clients forward emails; Ginkgo handles all data ingestion and reconciliation.

Current Data Feed integrations: UBS, Goldman Sachs, J.P. Morgan, Standard Chartered, LGT, Bank of Singapore, Interactive Brokers, Julius Baer. Any institution that can produce a statement can have its data entered into Ginkgo.

Ginkgo maintains a proprietary data layer independent of any custodian. A bank feed disruption does not affect data availability. All positions and transactions are reconciled bilaterally against bank feeds in real time.

Portfolio dashboard: 55 grouping dimensions, 1,000+ selectable fields, multi-currency with automatic FX conversion.

### 2. Structured Product Event Engine (Core Differentiator)

Ginkgo is one of the only family office platforms in Asia-Pacific capable of fully processing structured products. Most competing systems — including international platforms priced at USD 100K–300K/year — cannot monitor structured product events.

Supported structured product types:
- FCN (Fixed Coupon Note)
- ELN (Equity-Linked Note)
- RCN (Reverse Convertible Note)
- DRAN (Digital Return Accumulation Note)
- Snowball Autocallable
- AQ/DQ (Call/Put Warrants)
- Option: European/American Call/Put

Five monitored event types: KnockOut Observation, Coupon Observation, Maturity Observation, Settlement Observation, Exercise Observation.

Supported observation frequencies: Daily, Biweekly, Monthly, Bimonthly, Quarterly, At Maturity.
Supported coupon frequencies: Monthly, Bimonthly, Quarterly, Semi-Annually, Annually, At Maturity.

Term fields covered: denomination, issuance date, maturity date, tenor, issuer, guaranteed period, knock-out price, knock-in price, observation dates, coupon payment dates, strike price, number of underlyings, initial prices, worst-of / best-of selection.

Product lifecycle states: Continuance → KnockOut → Maturity → Physical Redemption.

Physical Redemption (接票) risk is monitored in real time: when an underlying breaches the Knock-in level, the system alerts the team before the product matures.

### 3. IRR Attribution

Ginkgo computes IRR in sub-second time and decomposes it into component sources: dividends, capital appreciation, and currency effects — each broken out separately. This attribution capability is absent from virtually all competing wealth management systems. It is the foundation for investment decision review and fund manager evaluation.

### 4. 10-Year Cash Flow Forecasting

Based on current holdings, Ginkgo generates a 10-year forward cash flow waterfall covering:
- Fixed income: coupon payments, principal at maturity
- Structured products: coupon observations, knock-out redemptions
- PE/VC funds: Capital Calls (configured by fund tranche schedule)
- Equities and funds: dividends (50+ dividend types supported)
- Derivatives: option exercise proceeds
- Other: loan interest, expenses, taxes, foreign exchange

Cash flow plans (future trades, transfers) can be simulated; all downstream events update automatically. Liquidity statistics are aggregated by week/month/quarter across all accounts.

### 5. AI-Powered Research and Data Ingestion

- AI Daily Market Summary: processes prior-day private bank reports and market data; surfaces only content relevant to current holdings
- AI bank statement parsing: reads PDF and email-format statements, extracts trade data automatically, with sensitive data masking before processing
- Structured product term comparison: auto-extracts key fields from multiple candidate products for side-by-side comparison
- Bond screening: monitors portfolio duration and cash flow distribution
- Hedge fund research: 3,000+ fund database with quantitative metrics, multi-fund/multi-benchmark comparison, Efficient Frontier optimization (MPT), portfolio backtesting in 2–3 minutes

### 6. Private Markets and Alternatives

Full lifecycle tracking for PE/VC, real estate, art, money market funds, and hedge funds. Tranche-level management (Capital Call schedule, distribution waterfall, redemption terms). Capital Call planning integrated into liquidity forecast. Unified view alongside liquid assets with FIFO cost basis.

### 7. Institutional Accounting and Audit

All transactions recorded in a structured ledger — single source of truth. Complete Audit Trail: every transaction and data change carries a timestamp and operator record. Event engine auto-derives all downstream events from a single trade entry (no manual schedule input).

Supported transaction event types: Spot Buy/Sell, Early Maturity, Buy/Sell Asset, Option Exercise, Foreign Exchange, Transfer, Dividend, Coupon Payment, Capital Call, Loan Management, Expense, Tax, and more.

### 8. Data Sovereignty and Security

- Physical isolation: each family's data is stored and computed in a fully isolated environment
- Identity-position decoupled architecture: position records store only encrypted IDs; a single record cannot be traced to a specific family
- Encryption: bank-grade AES encryption at rest and in transit; keys managed via AWS KMS
- RBAC: granular permissions per module and per client; procurement and usage can be fully separated
- MFA: TOTP (Google Authenticator), SMS, and Email-based two-factor authentication
- PDF masking: sensitive data automatically masked before AI processing
- Singapore domicile: data stored in AWS Singapore, governed by Singapore PDPA
- Private deployment: full platform can be deployed in the client's own cloud environment

## Competitive Comparison

| Dimension | Legacy / International Systems | Ginkgo |
|-----------|-------------------------------|--------|
| Pricing | Setup fee + AUM-based annual fee (USD 100K–300K+/year) | Fixed annual fee, no AUM surcharge |
| Structured products | Cannot process; manual Excel required | Full event engine: FCN, ELN, RCN, DRAN, Snowball |
| Physical Redemption monitoring | Not supported | Real-time Knock-in alerts |
| IRR attribution | Not supported or requires manual Excel | Sub-second IRR with source decomposition |
| Data latency | T+1 to T+4, dependent on bank feed | Real-time, independent of bank latency |
| Data completeness | Bank feeds as source of truth; disruption = data loss | Proprietary layer; bank feeds for validation only |
| Data maintenance | Self-upload or separately priced | Fully managed, no extra cost |
| Custom reporting | Not supported or expensive | Fast custom development, deployed to dashboards |
| Chinese language | Not supported | Full Chinese interface |
| Multi-currency | Partial | Full, with automatic conversion |
| Service response | Slow (international vendors, week-long cycles) | Fast, APAC timezone |
| Private deployment | Typically unavailable | Supported |
| 10-year cash flow forecast | Simple reminders | Full forecast including Capital Calls |

## Contact

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