From evidence to listed instrument.
Every AiGLe Score passes through five stages. The first two are evidentiary and analytical; the next two produce the scored instrument; the last lists it on a regulated exchange with surveillance attached.
- Step 01Evidence Library
An indexed, curated database of UK civil claims — financial mis-selling, irresponsible lending, unfair relationship, and regulatory breaches. Each entry carries its statute, binding precedent map, defendant profile, FOS outcome data, and limitation posture. Big and medium-value claims are individually tracked.
- Step 02Grounds Assessment
AiGLe assigns a probability score (p) to each claim genre: the modelled likelihood of a materially positive outcome. Scores are calibrated against binding precedent, FOS adjudication data, defendant financial strength, and the specific factual matrix of each claim type. The grounds assessment is the primary driver of expected return.
- Step 03Claim Valuation
Expected return E[R] = p × R_success + (1−p) × R_floor. Claims are pooled into SPV-ready structures targeting OC ratios of 4:1 to 10:1. Pool diversification across genres reduces binary correlation; stress-tested under Monte Carlo simulation for downside scenarios.
- Step 04Instrument Score
AiGLe's four-pillar framework produces an analytical opinion and a signed, dated certificate. Pillar scores are independently weighted per published criteria papers. Scores are placed on the AiGLe public register with issuer surveillance obligations attached. Full pillar breakdown is available to investors on request.
- Step 05Exchange Listing
Scored instruments are listed on Litdaq (for LBS and structured alternatives) or NATDAQ (for natural capital instruments) — specialist exchanges for litigation-backed and alternative structured securities. An AiGLe Score is a mandatory pre-condition for listing; investors access the full certificate, pillar assessment, and surveillance history through the exchange investor portal.
Every public score is subject to quarterly surveillance and trigger-based off-cycle review: material precedent changes, regulator action, guarantor credit events, or structural breaches each prompt immediate re-examination. Score actions are archived and publicly traceable.