EvenFi Launches Run-Off Service to Protect Investors as Crowdfunding Platforms Exit

EVENFI officially announces the launch of its run-off portfolio management service, a solution dedicated to platforms that decide to cease origination activities or to exit the market in an orderly manner.

The crowdfunding lending platform Rendimento Etico, currently suspended by Consob, is the first operator to have chosen to rely on this new service, transferring the management of its existing loans to Criptalia’s CoreFi technological infrastructure.

The run-off service

Runoff is not a divestment , but a structured and professional management of the final phase of the contracts’ life: loans already disbursed continue to be administered until their natural expiration, without interruptions and without alterations to the original economic conditions.

This is a major advantage for investors, who are thus assured stability and continuity, even if the platform on which they made the investment is unavailable.

Contracts remain valid as signed: interest rates, repayment plans, and due dates remain unchanged. What changes is the management infrastructure, which is entrusted to a specialized operator, equipped with technology, processes, and skills specifically designed for this delicate phase.

Security and regulatory compliance

Run-off management isn’t just a technical migration: it’s a regulated process, conducted in full compliance with the European Crowdfunding Regulation (ECSP), with high standards of IT security, flow traceability, and risk management protocols.

Investor data and funds remain protected, monitored, and properly managed throughout the remaining lending cycle.

A way out for operators leaving the market

Offering an orderly exit route for operators leaving the market means protecting the trust of those who have chosen to invest in the real economy.

And it is precisely this trust that is the most valuable asset in the crowdfunding industry. Diego Dal Cero, CEO of EvenFi SA, comments: “Investor trust is crowdfunding’s most valuable asset, and our mission is to protect it even during the exit phase “

Who are EvenFi and Criptalia: the evolution of crowdlending between rebranding and technology

Criptalia and EvenFi represent two sides of the same coin, both committed to internationalization and technological diversification.

In September 2021, the platform announced it was switching from Criptalia to EvenFi. This move reflects its ambition to create “fair finance” (Even Finance) and expand beyond Italy, particularly into the Spanish and Portuguese markets.

The Criptalia brand has been gradually phased out in marketing to avoid exclusive association with the crypto world, focusing instead on direct support for SMEs.

Legally, the distinction remains technical. Criptalia Srl continues to be the historical operating entity based in Bergamo, which manages the platform and acts as a withholding agent for investors.

At the same time, entities such as EvenFi Fintech SA and EvenFi Ventures have emerged, which act as international holding companies or vehicles for equity crowdfunding operations on the company itself, allowing users to become shareholders in the group.

The Corefi brand

The latest step in this evolution is the creation of CoreFi. While the EvenFi brand targets the crowdlending market (investors and businesses), Criptalia Srl uses the CoreFi brand to market its own technological infrastructure.

It is a Banking-as-a-Service solution that allows other financial institutions to use the group’s proprietary software for managing loans and payments.

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(Featured image by AbsolutVision via Unsplash)

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