Demand3.000%
Demand - yielding 3.000% PA, This is the on-demand alternative to bank deposits that have been the basis for Investabill® for the past 10 years.
Fixed3.750%
Fixed - yielding 3.750% PA, Funds committed for 12 months and if withdrawn prior to term, all interest accrued is automatically lost.
Term 12.00%
Term – yielding 12.00%, Funds committed for 3 years, i.e. 36 calendar months and if withdrawn prior to term, all interest accrued is automatically lost.

2025-M03 Investabill® Briefing

Investabill ETR® are fixed value Exchange Traded Receivables that are leases, monetary obligations or Bills issued under Contract for assets, goods and services supplied to investment quality† companies, or credit insured invoices from Investment Grade [IG] insurers. As at M03, Credebt Exchange® reported an Active RSA of EUR 51.43m, with EUR 71.74m fully allocated. Investor redemptions increased to EUR 2.28m, while trading activity for M03 totaled EUR 9.60m. Consistent with previous reports, all available ETR were fully utilised.

Credebt Control® collections totaled EUR 4.23m, representing 55.94% of the total value of traded ETR. This will continue to be monitored in 2025 M04.

Performance

In 2025-M03, trading totaled EUR 9.60m, which is c.16% lower than the EUR 11.53m recorded in 2024-M03. Trading volume increased by 25.88%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR. Investor redemptions increased in M03 to EUR 2.28m greater than EUR 0.51m from the previous month. The Credebt® Index was recorded at 64 for M03. Continuing its strong performance trend, the Construction sector registered the largest trade in M03 at GBP 1.47m.

Trend

ETR standard yield began the month at 2.167% and decreased throughout the first half of M03, reaching a low of 2.121%. It fluctuated slightly during the middle of the month before slowly increasing towards the end of the month and ending M03 at 2.147%. Investor demand remains below requirements. Trade Desk continues to seek additional funding from its existing investor base. The new Equitabill ETS is expected to ‘fill the gap’ by mid-2025. The total RSA recorded for M03 was EUR 51.43m.

2025-M03 Investabill® Briefing Trade Credebt

2025 M03 ETR Briefing

† Investment quality is a combination of Investment Grade [IG] organisations & other credit worthy organisations, as determined by AIG and other credit rating providers, from time to time.

Other briefings

  • 2025-M01 Investabill® Briefing

    In 2025-M01, trading totaled EUR 4.53m, which is c. 49.20% lower than the EUR 8.91m recorded in 2024-M01. Trading volume declined by 15.75%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR...

  • 2025-M10 Investabill® Briefing

    In 2025-M10, trading totaled EUR 8.36m, which is c. 34.42% lower than the EUR 12.74m recorded in 2024-M10. Trading volume increased by 3.91%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR.

  • 2025-M09 Investabill® Briefing

    In 2025-M09, trading totaled EUR 8.13m, which is c. 10.64% lower than the EUR 9.59m recorded in 2024-M09. Trading volume decreased by 7.30%, while the value-to-volume ratio continued to rise, reflecting an increase in the value and quality of traded ETR.

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