SERVICES
What we do — and where our work ends.
NAIVA AG advises and coordinates. The six fields below are described in full: the part we carry out ourselves, and the part that belongs to a licensed institution and to no one else.
Each section therefore carries two lists. The second one — what we do not do — is the more useful of the two, because in this business it is the part that is usually left vague.
Nothing on this page is an offer, a quotation or a commitment. Whether a transaction proceeds depends on the documentation, on compliance and on the decisions of the institutions involved.
01 — STRUCTURING & ADVISORY
Capital Solutions
Strategic advisory for institutional and private capital requirements, project finance and selected cross-border opportunities.
A capital requirement is rarely only a question of amount. It is a question of what the money is for, who stands behind it, which jurisdictions it crosses and which documents have to exist before an institution will look at the file at all.
Our work begins there. We help sponsors, corporates and family offices frame a requirement so that the people who decide on it can read it: a defined use of proceeds, an identifiable borrower or issuer, documented ownership, an evidenced source of funds and a realistic sequence of steps.
Where a structure does not hold together, we say so before it is taken to a counterparty. Whether capital is ultimately provided, and on what terms, is decided by the institutions and investors involved.
Advisory and coordination only. Any financing is approved, documented and provided by the institution or investor concerned, subject to its own procedures, applicable law and transaction-specific due diligence.
What we do
- Review the commercial rationale, the parties and the jurisdictions involved
- Assemble and order the documentation a counterparty will ask for
- Identify the type of institution or investor a requirement realistically fits
- Coordinate the exchange between sponsor, advisers and institutions
- Keep a written record of what was agreed at each stage
What we do not do
- We do not lend, invest or provide capital of our own
- We do not hold, receive or transfer client funds
- We do not promise financing, terms, pricing or timelines
- We do not place, underwrite or distribute securities
- We do not take on a mandate before compliance is complete
02 — BANK INSTRUMENTS
SBLC & Bank Guarantees
Advisory and coordination relating to Standby Letters of Credit and bank guarantees — subject to the issuing bank’s own procedures and independent verification.
Standby Letters of Credit and bank guarantees are instruments of a bank, not of an adviser. They are issued on the bank’s own forms, under its own credit decision, against collateral or a line it has already approved — and no third party can shorten that path.
Our work is everything around it: clarifying what the instrument is actually meant to secure, reading draft wording against the underlying contract, keeping applicant, beneficiary and their banks discussing the same text, and writing down the sequence of steps before anyone acts on it.
This is also the field in which a great deal of what circulates is not real. We verify instruments and counterparties through the issuing institution and established channels, and we decline files that rest on unverifiable paper or on being trusted.
Issuance, confirmation and advising of any instrument rest exclusively with licensed banks and remain subject to their own credit decision, forms, collateral requirements, compliance procedures and applicable law.
What we do
- Clarify what the instrument is required to secure, and for whom
- Review draft wording against the underlying commercial contract
- Coordinate between applicant, beneficiary and their respective banks
- Verify instruments and counterparties through the issuing institution
- Document the sequence of steps before any of them is taken
What we do not do
- We do not issue, confirm, advise or monetise bank instruments
- We do not state that a bank will issue anything, or when
- We do not work with leased instruments or unverifiable paper
- We do not take fees against the promise of an instrument
- We do not pass on documents we have not been able to verify
03 — DEBT INSTRUMENTS
MTN Solutions
Advisory support for Medium-Term Note structures and institutional transactions, subject to documentation and counterparty acceptance.
A Medium-Term Note programme is an issuance structure, not a product to be bought off a list: a documented programme, an issuer with a balance sheet, arrangers and dealers, a paying agent, and a set of legal opinions that has to exist before a single note is placed.
We support issuers and their advisers on the coordination side of such structures — assembling documentation, keeping the working group and the timetable aligned, tracking conditions precedent, and checking that what is represented to counterparties matches what the documents actually say.
Whether notes are issued, listed, rated or placed is a matter for the issuer, the arranger and the regulated intermediaries involved. Availability and acceptance are never assumed, and never presented as settled.
Issuance, arranging, listing and placement are carried out solely by the issuer and appropriately licensed institutions, subject to documentation, regulatory requirements and counterparty acceptance. Nothing here is an offer, a solicitation or investment advice.
What we do
- Review the intended structure against the documentation that exists
- Coordinate the working group: issuer, counsel, arrangers, agents
- Keep timetables, conditions precedent and open points in writing
- Support the exchange of information with regulated intermediaries
- Check that representations to counterparties match the documents
What we do not do
- We do not issue, arrange, underwrite or place notes
- We do not offer or solicit securities, and nothing here is an offer
- We do not quote yields, prices, discounts or expected returns
- We do not source instruments for purchase, discount or resale
- We do not act where issuer or programme cannot be verified
04 — DIGITAL ASSETS
Digital Assets & Crypto
Strategic advisory for digital-asset transactions, institutional settlement structures and transaction coordination with regulated counterparties.
Digital-asset transactions fail on the same things as conventional ones: unclear ownership, a counterparty nobody verified, a settlement route nobody wrote down, and a compliance question asked far too late.
We advise on the structure around such transactions — which regulated venue, custodian or bank is involved, how title and payment move against each other, what evidence of origin will be required, and in which jurisdiction the arrangement actually sits.
Custody, exchange and settlement are performed by licensed providers. NAIVA AG does not hold private keys, does not operate wallets and never takes custody of assets or funds.
Custody, exchange, conversion and settlement are provided exclusively by licensed providers and remain subject to their onboarding, AML and transaction-monitoring procedures. Nothing here is investment advice.
What we do
- Map the transaction: parties, venues, custodians and jurisdictions
- Coordinate with regulated exchanges, custodians and banking partners
- Align the settlement sequence and delivery-versus-payment terms
- Prepare source-of-funds and source-of-wealth documentation
- Bring in counsel where the regulatory position needs an opinion
What we do not do
- We do not hold custody, private keys, wallets or client assets
- We do not exchange, convert, transfer or trade digital assets
- We do not operate a platform and do not accept deposits
- We do not advise on which asset to buy or sell, or at what price
- We do not proceed where the origin of assets cannot be evidenced
05 — SETTLEMENT & ESCROW
Escrow Solutions
Assistance with establishing and coordinating escrow arrangements through licensed escrow agents, banks and law firms.
Escrow is a discipline of definitions. Money is protected only to the extent that the release conditions are written precisely enough for the agent to apply them without having to ask anyone what was meant.
We help the parties work those conditions out before an agent is appointed: what has to be delivered, by whom, evidenced how, verified by whom, and what happens if a condition is not met by the date agreed. Then we coordinate the appointment of a licensed escrow agent, bank or law firm and the signing of the agreement itself.
The account is opened, held and operated by that agent. Funds are never received by NAIVA AG, and release decisions are made by the escrow agent under the agreement — not by us, and not by either party alone.
Escrow accounts are established and operated exclusively by licensed escrow agents, banks or law firms, subject to their own acceptance, onboarding and release procedures and to the escrow agreement between the parties.
What we do
- Work out release conditions, evidence and deadlines with the parties
- Identify licensed escrow agents, banks or law firms for the mandate
- Coordinate onboarding, account opening and signature logistics
- Keep conditions, amendments and instructions documented throughout
- Support the parties through the release and closing sequence
What we do not do
- We do not act as escrow agent and never hold client funds
- We do not open, operate or hold signing rights on escrow accounts
- We do not decide, approve or instruct the release of funds
- We do not state that an agent or bank will accept a mandate
- We do not take a side between the parties on a disputed release
06 — DUE DILIGENCE
KYC & Compliance
KYC/KYB, AML and compliance coordination, including counterparty due diligence and documentation workflows.
Compliance is not a formality at the end of a transaction. It decides whether the transaction happens at all, and it is considerably cheaper to do first.
We coordinate KYC and KYB collection, beneficial-ownership mapping through the corporate chain, sanctions, PEP and adverse-media screening, and source-of-funds and source-of-wealth documentation — so that what reaches the bank or the counterparty is complete, current and consistent with itself.
Every institution applies its own standard and will run its own checks regardless of ours. Our work is aimed at reducing the number of rounds. It does not replace anyone’s decision, and it does not guarantee that a party will be onboarded.
Compliance coordination only. Onboarding, acceptance and ongoing monitoring remain the responsibility of the institutions involved and are subject to their own standards, applicable law and independent verification.
What we do
- Collect and structure KYC/KYB documentation for all parties
- Map beneficial ownership and control through the corporate chain
- Coordinate sanctions, PEP and adverse-media screening
- Assemble source-of-funds and source-of-wealth evidence
- Keep a trail of what was checked, when, and against which source
What we do not do
- We do not certify, audit or attest to the identity of any party
- We do not issue compliance opinions or regulatory clearances
- We do not guarantee onboarding, acceptance or account opening
- We do not replace an institution’s own due diligence
- We do not continue where information is withheld or inconsistent
NEXT STEP
Tell us what the transaction is meant to achieve.
Describe the parties, the jurisdictions and the purpose. We will tell you whether it is something we can work on, and what would have to be documented before anything moves. Enquiries are treated confidentially and answered by a named contact.
Please do not send confidential documents by unencrypted email. We will agree a secure channel with you first.