Financial Instruments

INTEGER WEALTH GLOBAL  ·  INSTITUTIONAL FINANCE

Where institutional capital meets

engineered certainty.

Capital does not move on ambition alone. It moves on structure, on credibility, and on instruments that sophisticated counterparties recognise, trust, and act upon. Integer Wealth Global exists to provide precisely that, a European institutional finance house, domiciled in Luxembourg and Liechtenstein, whose sole purpose is the creation and delivery of bespoke financial instruments for commercial and investment mandates worldwide.

We do not offer generic products. Every instrument we structure, whether a fund, a certificate, a guarantee, or a debt security, is designed from first principles around a client’s specific capital objective, our investor base and the commercial reality the client is working within.

Our clients are corporate entities with a capital requirement for multiple credible projects, asset managers, family offices, project sponsors, banks, corporate treasuries and institutional investors who require more than an ‘off-the-shelf solution’.

Operating under EU and EEA regulatory frameworks and supported by a licensed broker network spanning 15 jurisdictions, IWG combines the legal standing of a European financial structuring institution with the agility and personal service of a specialist advisory house. The result is institutional-grade financial engineering, delivered with precision, discretion, and speed.

Our Instruments & Services

IWG at a Glance

Why Integer Wealth Global.?

The institutional finance market is served by many participants. Most of them operate at scale, processing standardised transactions through templated structures. IWG occupies a deliberately different position: a boutique structuring house with institutional capability, designed for clients whose requirements do not fit a template.

Our dual Luxembourg and Liechtenstein domicile gives clients the widest possible jurisdictional choice for instrument domicile, regulatory filing, and investor distribution across the EEA.

Our licensed broker network provides the placement infrastructure to bring structured instruments to qualified professional and institutional investors across 15 jurisdictions.

Our in-house structuring team manages every element of each mandate — from first conversation to final delivery — with the care and attention that complex financial instruments demand.

We are not a product factory. We are a financial engineering firm. Every mandate begins with a question: what exactly does this client need, and what is the most precise, compliant, and commercially effective structure to deliver it? That discipline — the discipline of bespoke design over generic execution — is the foundation of everything we do.

INTEGER WEALTH GLOBAL  ·  INSTITUTIONAL FINANCE

Financial Instruments

& Structured Products

A complete suite of banking instruments, capital market products, trade finance tools and structured finance solutions originated, structured and intermediated by Integer Wealth Global.

IWG structures, places and advises on financial instruments across three core verticals —

1. Trade & Credit Solutions

2. Capital & Investment Solutions

3. Wealth & Advisory

Drawing on its dual Luxembourg and Liechtenstein domicile, EU/EEA regulatory framework, and licensed broker network spanning 15 jurisdictions.

.

Bank instruments form the cornerstone of IWG's credit enhancement and guarantee offering. These instruments — issued by or facilitated through IWG's correspondent banking relationships — provide counterparties, lenders, project owners, and trading partners with an irrevocable undertaking from a creditworthy financial institution. They serve as financial safety nets in trade, project finance, tendering, and cross-border commercial transactions, reducing counterparty risk and unlocking transactions that would otherwise be impossible without third-party credit support.

IWG originates, structures and intermediates the full range of bank-issued instruments, coordinating the credit approval, documentation, SWIFT transmission, and ongoing management process on behalf of its clients.

Bank Guarantees (BG)

–    Performance BG — Guarantees that a contractor, supplier, or service provider will fulfil the obligations of a specific contract. Called upon in the event of non-performance, delay, or default.

–    Financial BG — Guarantees repayment of a financial obligation — a loan, a deferred payment, or a financial liability — in the event the obligor fails to pay.

–    Advance Payment BG — Protects a buyer or project owner who has made an advance payment to a supplier or contractor by guaranteeing repayment of that advance if the supplier fails to deliver.

Letters of Credit (LC)

–    Documentary LC — The primary payment mechanism in international trade. The issuing bank pays the beneficiary on presentation of stipulated shipping and commercial documents evidencing shipment.

–    Revolving LC — A letter of credit that automatically reinstates to its original value after each drawing, suitable for ongoing trading relationships with recurring shipments.

–    Transferable LC — Permits the beneficiary to transfer part or all of the credit to one or more secondary beneficiaries — typically used by intermediaries and trading houses.

–    Back-to-Back LC — Two separate letters of credit — a master LC in favour of a middleman, and a secondary LC issued by the middleman's bank in favour of the actual supplier. Used when the original LC is not transferable.

Proof of Funds (POF) & Ready Willing & Able (RWA) Letters

Authenticated bank documentation confirming the existence, availability, and blocking of specified funds held by a client. Required in large commercial and real estate transactions to evidence financial capacity before a counterparty commits resources to a deal.

Comfort Letters / Bank Comfort Letters (BCL)

A statement issued by a bank or parent entity confirming awareness of a transaction and, in varying degrees, the financial standing of a party. While not legally binding as a guarantee, a BCL provides commercially significant assurance and is frequently required in tender, licensing, and pre-contract contexts.

Trade finance and monetisation products bridge the gap between the issuance of a financial instrument and the release of working capital or liquidity. IWG's trade finance offering is closely aligned with its SBLC and bank guarantee capability, extending into the full spectrum of structured trade finance solutions for exporters, importers, commodity traders, and supply chain participants.

These products are used by clients seeking to unlock the value embedded in existing bank instruments, receivables, or commodity inventories — converting them into deployable capital without the delay or cost of conventional lending.

Structured Trade Finance

–    SBLC / BG Monetisation Programs — The process of converting an issued SBLC or BG into cash or a line of credit by presenting the instrument to a monetising bank or specialist lender. IWG structures and facilitates monetisation programmes for qualifying instruments, coordinating the process from instrument verification through to proceeds disbursement.

–    Receivables Factoring / Invoice Discounting — The sale or financing of trade receivables at a discount to their face value, providing the seller with immediate liquidity rather than waiting for invoice payment terms to expire.

–    Forfaiting — Non-recourse export financing in which a financial institution purchases medium-term trade receivables — typically evidenced by bills of exchange, promissory notes, or LCs — from an exporter at a discount, assuming all credit and country risk.

–    Supply Chain Finance / Payables Finance — A buyer-led programme in which a financial institution pays a supplier's invoices early (at a discount), with the buyer repaying the financier on the original due date. Improves working capital for both parties.

–    Export Credit Facilities — Structured credit facilities — often supported by export credit agency (ECA) guarantees — enabling exporters to offer extended payment terms to overseas buyers while receiving payment promptly.

Commodity Trade Programs

–    Prepayment finance for commodities — Financing structures in which a buyer or trader pays a commodity producer in advance, secured against future delivery of oil, metals, agricultural produce, or other commodities.

–    Warehouse receipt financing — Short-term financing secured against commodities stored in certified warehouses, with the warehouse receipt serving as collateral. Widely used in agriculture, metals, and energy.

.

IWG's capital markets capability enables corporate issuers, project sponsors, and institutional borrowers to access debt capital through privately placed and exchange-listed instruments. Whether structuring a bespoke corporate bond for a single institutional investor or establishing an MTN programme for repeat issuance, IWG manages the full process from mandate definition and documentation through to placement and post-issuance administration.

All debt instruments are structured in compliance with applicable EU/EEA prospectus and securities law, and are distributed exclusively to professional and institutional investors through IWG's licensed broker network.

Private Debt Instruments

–    Corporate Bonds (private placements) — Fixed or floating rate debt securities issued by corporates and placed privately with one or more institutional investors, without the cost and timeline of a public offering.

–    Medium-Term Note (MTN) Programmes — An established issuance framework allowing a corporate or SPV to issue multiple series of notes rapidly under a single approved programme, with each series governed by a short-form Final Terms document.

–    Promissory Notes — Unconditional written promises by an issuer to pay a defined sum on a specified date, used in bilateral lending, trade finance, and structured transactions.

–    Convertible Notes / Convertible Debt — Debt instruments that may be converted into equity in the issuing entity upon defined trigger events, blending debt and equity characteristics to provide investors with downside protection and upside participation.

–    Mezzanine Financing Instruments — Subordinated debt or hybrid instruments ranking between senior debt and equity, providing issuers with flexible capital and investors with enhanced yields commensurate with higher risk.

Structured Debt Products

–    Collateralised Loan Obligations (CLOs) — Securities backed by a pool of corporate loans, tranched into different risk/return profiles and sold to institutional investors. IWG structures CLO vehicles and coordinates the placement of individual tranches.

–    Asset-Backed Securities (ABS) — Securities backed by a pool of financial assets — receivables, leases, or loans — securitised into tradeable instruments with defined cash flow waterfalls.

–    Mortgage-Backed Securities (MBS) — Securities backed by pools of commercial or residential mortgage loans, providing investors with regular income from underlying mortgage payments.

.

.

Structured finance products represent IWG's highest-value structuring capability. These instruments combine multiple financial components — debt, equity, derivatives, and collateral — into bespoke solutions tailored to specific investment mandates, risk appetites, or capital requirements. IWG designs and originates structured products for institutional investors, project sponsors, and sophisticated private clients who require precisely engineered financial solutions rather than standardised market instruments.

Structured Products

–    Capital-protected notes — Structured notes guaranteeing the return of the investor's principal at maturity — regardless of reference asset performance — while providing upside participation through embedded derivative components. Suitable for risk-averse institutional investors seeking market exposure without capital loss.

–    Yield enhancement structures — Notes or certificates combining a fixed-income component with a sold option position, generating above-market yields in exchange for defined downside scenarios. Widely used by treasury desks, family offices, and institutional investors.

–    Equity-linked notes (ELNs) — Debt instruments whose return is linked to the performance of one or more underlying equities, equity indices, or equity baskets. Provide defined participation in equity market returns within a debt security wrapper.

–    Credit-linked notes (CLNs) — Notes whose return is linked to the credit performance of a specified reference entity or basket. Effectively a funded credit derivative, allowing investors to take targeted credit exposure without entering the CDS market directly.

Project Finance Instruments

–    Project bonds — Long-term debt securities issued to finance the construction or acquisition of infrastructure or industrial assets, with debt service supported by project cash flows rather than the sponsor's balance sheet.

–    Syndicated loans — Large credit facilities provided by a group of lenders — coordinated and structured by IWG as arranger — to finance projects, acquisitions, or corporate expansion where the required facility size exceeds single-lender capacity.

–    Build-Operate-Transfer (BOT) financing structures — Bespoke financing packages for concession-based infrastructure projects in which a private entity builds, operates, and eventually transfers an asset to a public authority. IWG structures the debt, equity, and guarantee components of the financing package.

.

IWG's wealth and investment management capability extends beyond the structuring of individual instruments to encompass the complete design, establishment, and administration of investment vehicles and managed portfolio solutions. Building on its AMC expertise and fund structuring capability, IWG creates bespoke platforms through which asset managers, family offices, and institutional investors can access, manage, and distribute capital across all major asset classes.

Managed Products

–    Actively Managed Certificates (AMC) — ISIN-listed debt certificates linked to actively managed reference portfolios. IWG's core structured product offering — designed, issued, and administered end-to-end. (See IWG's dedicated AMC documentation for full details.)

–    Discretionary Portfolio Management (DPM) — IWG facilitates the establishment of discretionary managed account arrangements for institutional and professional clients, connecting clients with authorised investment managers operating under clearly defined mandates.

–    Fund structuring — IWG structures the full range of alternative investment fund vehicles — hedge funds, private equity funds, real asset funds, and multi-strategy vehicles — across RAIF, SIF, and SICAR structures under Luxembourg and Liechtenstein fund law.

–    Family office solutions — Bespoke multi-asset structures for family offices and multi-generational wealth, including SPF holding companies, private investment fund compartments, and consolidated reporting frameworks.

–    Alternative investments — IWG facilitates access to private equity, venture capital, real asset, and infrastructure strategies through bespoke fund vehicles or structured product wrappers.

Investment Vehicles IWG Can Create

–    Special Purpose Vehicles (SPVs) — Ring-fenced legal entities for specific transactions — asset holding, joint ventures, structured issuance, or project finance — domiciled in Luxembourg or Liechtenstein.

–    Private investment funds — Closed or open-ended fund vehicles, established under applicable regulatory frameworks, providing a regulated collective investment structure for qualifying investors.

–    Structured investment platforms — Multi-compartment umbrella structures enabling a single platform to host multiple strategies, clients, or asset classes under a unified legal and administrative framework.

.

Derivatives and risk management instruments form an essential component of IWG's offering to sophisticated institutional and corporate clients. These instruments enable clients to manage exposure to interest rate fluctuations, currency movements, and commodity price volatility — protecting balance sheets, optimising funding costs, and providing precisely calibrated market exposure. IWG acts as adviser and arranger, connecting clients with authorised derivatives counterparties and structuring bespoke hedging solutions within the applicable EMIR and MiFID II regulatory framework.

–    Interest Rate Swaps (IRS) — Contractual agreements to exchange fixed and floating interest rate cash flows on a defined notional amount over a specified period. Used by corporate borrowers, project finance vehicles, and fund managers to convert floating rate debt to fixed (or vice versa), providing certainty of funding costs and balance sheet stability.

–    Currency Swaps / FX Forwards — Instruments enabling parties to exchange defined amounts of two currencies at an agreed rate on a future date. Currency swaps involve both principal and interest exchanges; FX forwards fix the exchange rate for a future transaction. Used by cross-border investors, importers, exporters, and multinational corporates to eliminate or manage currency risk.

–    Options (FX, equity, commodity) — Contracts granting the holder the right — but not the obligation — to buy or sell an underlying asset at a defined strike price on or before a specified date. FX options hedge currency risk while preserving upside; equity options provide leveraged or protected market exposure; commodity options hedge input cost or production price risk.

.

Alternative and hybrid financing solutions represent some of IWG's highest-margin advisory mandates. These instruments sit outside the conventional bank lending and capital markets framework, providing businesses, project sponsors, and institutional investors with access to financing structures tailored to non-standard revenue profiles, asset types, or transaction characteristics. IWG acts as structuring adviser and placement agent, connecting clients with specialist alternative lenders, investors, and capital providers.

–    Revenue-based financing — A form of growth capital in which investors provide funding in exchange for a defined percentage of the business's ongoing revenues until a predetermined return threshold is reached. Highly suited to businesses with recurring, predictable revenue streams — technology, media, subscription services — where traditional debt service schedules would be restrictive.

–    Trade credit insurance-backed lending — Financing structures in which trade credit insurance policies covering commercial and political risk on receivables portfolios are used as collateral or credit enhancement, enabling lenders to extend facilities on more favourable terms than conventional receivables financing.

–    Litigation finance — Third-party funding of commercial litigation or arbitration proceedings in exchange for a share of any recovery. IWG identifies and connects clients with specialist litigation finance providers, structuring the funding arrangement and return waterfall.

–    Royalty financing — Capital provided to businesses in exchange for a defined share of future royalty income from intellectual property, natural resources, pharmaceutical licences, or other royalty-generating assets. Provides growth capital without diluting equity or adding conventional debt to the balance sheet.

.

The digitisation of financial instruments represents one of the most significant structural shifts in institutional finance in a generation. IWG is positioning at the forefront of this transition, developing capability in tokenised securities, digital asset-backed finance, and blockchain-enabled trade finance — within the EU's evolving regulatory framework under MiCA (Markets in Crypto-Assets Regulation) and the DLT Pilot Regime.

The European Central Bank's announcement that Eurosystem will accept certain DLT-based marketable assets as eligible collateral for Eurosystem credit operations from 2026 signals that the boundary between conventional and digital finance is dissolving. IWG is building the relationships, regulatory understanding, and technical capability to serve institutional clients in this emerging space.

–    Tokenised securities (STOs) — Digital representations of traditional securities — bonds, fund interests, equity participations, or structured notes — issued on distributed ledger infrastructure under MiCA and applicable EU securities law. Tokenisation reduces settlement time, enables fractional ownership, automates corporate actions via smart contract, and expands the universe of eligible investors. IWG structures the underlying instrument and coordinates the tokenisation, issuance, and distribution process.

–    Digital asset-backed lending — Financing structures in which digital assets — tokenised securities, cryptocurrency holdings, or DLT-based financial instruments — are pledged as collateral for conventional or digital lending facilities. IWG advises on the legal, valuation, and custody framework for digital asset collateralisation.

–    Blockchain-based trade finance platforms — Technology-enabled trade finance solutions operating on distributed ledger infrastructure, providing real-time visibility of trade transactions, automated document verification, and accelerated settlement. IWG identifies and introduces clients to leading blockchain trade finance platforms and structures the integration of conventional bank instruments with DLT-based settlement.

 .

.

IMPORTANT NOTICE

Critical Considerations

Before engaging with any of the instruments described in this document, the following regulatory, legal, and risk management requirements must be satisfied. IWG's commitment to operating exclusively within properly licensed, legally compliant, and reputationally sound frameworks is non-negotiable.

Regulatory & Legal Compliance

–    Licensing — All activities undertaken by IWG are conducted within the scope of appropriate licensing — as arranger, adviser, introducer, or placement agent — under applicable EU/EEA regulatory frameworks. IWG does not act as a principal issuer of bank instruments without the backing of a licensed issuing institution.

–    Financial authority compliance — All instruments and transactions are structured in compliance with the requirements of applicable financial regulators, including the FMA (Liechtenstein), CSSF (Luxembourg), and — where relevant — the FCA (United Kingdom), SEC (United States), and equivalent authorities in client jurisdictions.

–    AML & KYC — Comprehensive AML screening and KYC verification is applied to all clients, counterparties, and beneficial owners without exception, in accordance with the EU 5th and 6th Anti-Money Laundering Directives, FATF recommendations, and Liechtenstein's SPG.

Banking Relationships

The majority of bank instruments — SBLCs, BGs, LCs, MTNs — require the involvement of a Tier-1 or Tier-2 bank as issuing institution. IWG operates as arranger and facilitator, drawing on its correspondent banking network. IWG does not represent that it can cause any bank to issue any instrument — the issuing bank's credit decision is independent and final.

Risk & Reputational Standards

–    Market integrity — IWG will not participate in, facilitate, or advise on transactions involving leased SBLC arrangements, fraudulent bank instruments, or any transaction structure designed to circumvent regulatory requirements or deceive counterparties.

–    Verifiable channels only — All banking transactions are conducted through verifiable, authenticated channels — SWIFT MT760 for guarantee and SBLC transmission, UCP 600 for documentary credits. No exceptions are made for unverified or informal instrument arrangements.

–    Reputational due diligence — IWG conducts reputational due diligence on all transaction counterparties and declines mandates that present unacceptable legal, reputational, or ethical risk.

 .

.

IWG STRATEGIC POSITIONING

Three Core Service Verticals

Integer Wealth Global packages its complete financial instrument and advisory capability into three distinct service verticals, each targeting a defined set of client needs and market segments. Every mandate IWG undertakes sits within one or more of these verticals, ensuring a coherent, commercially disciplined service architecture.

 IMPORTANT NOTICE & REGULATORY DISCLAIMER

This document has been prepared by Integer Wealth Global (IWG) for informational purposes only and is directed exclusively at professional investors, eligible counterparties, and sophisticated institutional participants as defined under applicable EU/EEA legislation, including MiFID II (Directive 2014/65/EU). It does not constitute an offer to sell or a solicitation of an offer to buy any financial instrument or service. IWG does not guarantee the availability of any instrument or the willingness of any bank or financial institution to issue or provide any product described herein. All transactions are subject to credit approval, regulatory compliance and IWG's own client acceptance standards.

Fee indications are indicative only. Actual fees depend on transaction complexity, deal size, counterparty and prevailing market conditions. IWG reserves the right to amend its fee schedule without notice. All instruments involving bank issuance require the independent credit approval of the issuing bank. IWG acts as arranger, adviser and broker or introducer, not as principal issuer of bank instruments.

IWG is domiciled in Luxembourg and Liechtenstein and operates under applicable financial regulatory frameworks. Prospective clients should seek independent legal and financial advice before engaging in any transaction described in this document.