Conclusion & Appendices

How FEaaS fuels growth: institutions partnering with providers like GenTwo stand to benefit from their leadership position in the rapidly evolving FEaaS category.

As financial institutions increasingly look for scalable, cost-efficient solutions to optimize capital, comply with regulations, and unlock new investment opportunities, GenTwo's technology becomes a crucial infrastructure component.

By providing the infrastructure that enables financial institutions to "Scale Beyond the Balance Sheet," GenTwo is shaping the future of financial engineering and positioning partners for long-term value creation.

As the financial landscape continues to evolve, one thing becomes clear: the future belongs to institutions that can efficiently scale beyond their balance sheets while capturing the value of the Assetization revolution.

A·1Appendix 1 — References

1. skaleet.com/en/blog/legacy-what-issues-do-banks-face-when-it-comes-to-innovation
2. temenos.com/engage/the-cost-of-legacy
3. cxotoday.com/story/financial-engineering-in-infrastructure
4. mckinsey.com — Financial data and markets infrastructure: positioning for the future
5. cryptorank.io — JPMorgan Chase, Bank of America and Citibank holding $7,427,000,000,000 off-balance sheet
6. riskcontrollimited.com — RORC bank loan book (PDF)
7. investopedia.com — Understanding off-balance sheet financing
8. kpmg.com — Will Basel 4-driven balance sheet and capital optimisation lead to more diversified banking groups
9. kpmg.com — Optimising returns under Basel 3.1 (PDF)
10. capitalmarketsblog.accenture.com — A $78 trillion growth opportunity for wealth managers
11. gentwo.com/assetization-book
12. damcogroup.com — Blockchain immutability: powerful weapon in combating fraud
13. forbes.at/artikel/assetization
14. fnlondon.com — Point72's Steve Cohen backs Swiss securities platform
15. gentwo.com/gentwo-pro-for-banks

A·2Appendix 2 — About GenTwo

Founded in 2018, GenTwo is a Swiss B2B Fintech revolutionizing financial product creation by empowering financial professionals to design and launch investment solutions with unprecedented ease, speed, and flexibility. At the intersection of finance, technology, and data, GenTwo enables asset managers, banks, family offices, hedge funds, venture capital firms, and large financial intermediaries to securitize and structure any asset — off-balance-sheet, at low cost, and with minimal complexity. The company's platform, powered by GenTwo Pro, transforms investment product creation into a seamless, scalable, and customizable process, allowing clients to unlock new opportunities, expand their product shelves, and enhance efficiency.

GenTwo's offering is built on three core business lines. Investment Solutions enables clients to create, manage, and scale investment products using the company's industry-leading GenTwo Pro platform via their own dedicated issuer or their own cellular structure. Managed Solutions allows clients to take advantage of GenTwo's end-to-end solution for specific use cases, powered by GenTwo.

With its Business Solutions GenTwo equips enterprise-level financial institutions with the infrastructure to run cost- and distribution-efficient issuance operations, off their balance sheet.

Additionally, GenTwo offers the AMC Creator, the first universal configurator that enables financial professionals to find the best setup options to turn any asset or strategy into Actively Managed Certificates (AMCs).

Since its inception, GenTwo has worked with over 300 clients and partners across 26 countries, helping them to issue more than 1,650 products with a current volume of Assets under Service surpassing 7 billion US dollars (April 2026).

A·3Appendix 3 — Legal Disclaimer