副本 AVED4

Alternative View and Early Detection

Simple | Efficient | Effective

Cutting through market noise to deliver the predictive intelligence you need to master risk and make confident decisions.

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Quantifiable Impact

Proven Results for Our Clients AVED delivers measurable improvements across key performance metrics.

-90%

False Alerts vs. legacy systems

Our proprietary approach reduces noise and improves signal quality

6-18

Month Lead Time

Early detection provides ample time forportfolio adjustments

-60%

Time spent on manual workflows

Automating credit surveillance frees analysts for higher-value work

Smarter Fixed Income Investing

AVED transforms how financial institutions navigate fixed income markets with predictive analytics and AI-driven insights.

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Operational efficiency

Reduce manual repetitive quantitative task and automate your processes. Free-up your resources for strategic investment tasks.

Leave outdated and slow systems behind, and benefit from fast, on-cloud, AI-powered futureproof system.

Cloud-based, AI-ready

Risk mitigation

Reduce exposure to deteriorating credits and enhance portfolio resilience

with our dynamic monitoring framework.

Opportunity Discovery

Uncover mispriced bonds and hidden value in fixed income markets through our proprietary analytics and screening tools.

Struggle with limited in-house expertise? Outsource your risk assessment and monitoring to quantitative experts.

Specialized Risk Expertise

Bypass market noise and false alerts with our proprietary models and focus on true credit deterioration signals.

True Signals

Quantamental 2.0

Static Report

Deep Fundamental

Government&

Parent Support

Government&

Parent Support

AVED combines cutting-edge technology with deep credit expertise to deliver actionable insights.

Static Report

Deep Fundamental

Government&

Parent Support

Criat Dynamic Rating Engine

Continuous Fusion

Quant Signal+Fundamental Overlay

Live Dashboard Rating · Signal · Reason

High-Freq Market Data

Wide Coverage Universe

Early Warning Signal

Early Warning System

AI-powered early warnings to detect credit risks ahead of rating actions

Criat’s Early Warning System (EWS) leverages a proprietary quantamental approach – finding agreement between traditional ratings and quantitative model– to dynamically detect emerging credit risks. Augmented by AI, it pinpoints the origin and transmission paths of risk, enabling early identification of credit events and safeguarding your portfolio returns.

Detects signals 6-18 months before rating agencies act
True signals considerably reduces false alarms
Integrates with your existing workflow and systems
AI-powered credit rationale

Intelligent Bond Selection

Smarter bond choices, faster portfolio decisions

AVED’s Intelligent Bond Selection combines market insights, advanced analytics, and visualization tools to quickly identify promising issuers and bonds—enabling investors at any level to build high-quality portfolios with confidence and speed.

Ideal for new bond market users, providing macro and sector-level insights into credit risk trends, ratings, and spread distributions.
Offers advanced filtering with refined spread calculations by maturity, seniority, and liquidity, plus yield curve visualization and historical spread analysis for selected issuers.
Identifies comparable issuers or bonds by domicile, industry, rating, and spread, with support for portfolio- or issuer-level searches.

Our Coverage

we provide a quasi-complete bond issuer coverage across main fixed income indices globally.

PUBLIC MARKETS

45,040

~ 100%

Public Firms

37,951

> 80%

Bond Issuers

PRIVATE MARKETS

Region-Industry

Models

6,232,278*

Private Firms

with Financials

Case studies

10 months Lead Time before Default

Country Garden Holdings, a major property developer in China, historically recognized as one of the largest in its sector defaulted in 09/04/2023.

Criat’s AVED first captured signs of credit deterioration on 11/10/2021– 22 months prior to default, where AVED’s early warning system signals turn to a risky yellow light.

For the same period, CRA rating, although non-IG was 5 notches higher (BB-) compared to AVED’s dynamic rating (CCC+)

This provided our clients with an 10-month lead time before the company's first default in September 2023, offering a critical window to mitigate exposure while the market consensus was still catching up.

11-month Early Warning before Default

Enviva LLC is a prominent global producer of industrial wood pellets, a key resource in the renewable energy sector.

For nearly three years, from 2021 through late 2023, traditional rating agencies maintained a stable outlook on Enviva, holding its composite rating at a consistent 'BB’.

However, by mid-2023, Criat’s AVED detected severe emerging stress. Enviva was downgraded sharply from 'B' into the distressed 'CCC' category, signaling a red light in AVED’s early warning system.

Traditional agencies only reacted in late 2023, abruptly downgrading their ratings just before the company's first default in 02/14/2024. AVED’s analysis provided a critical lead time of over 6 months, offering a clear window to mitigate exposure.

3 months Foresight on Fallen Angel Event

Piedmont Realty Trust Inc. is a real estate investment trust (REIT) primarily focused on managing Class A office properties in major U.S. markets.

Piedmont was considered a stable, investment-grade entity before. Traditional rating agencies reflected this market consensus, rating company at 'BBB' throughout 2023.

However, AVED detected rising pressure in its sector and decisively crossed the threshold into 'BB+' territory, showing a yellow light in early warning system. This move preceded the company's official "Fallen Angel" event in 12/04/2023, when it formally lost its investment-grade status.

This predictive downgrade provided a crucial, forward-looking signal, offering clients a window to reassess their positions before the broader market re-priced this credit event.

9-month Alert prior to Fallen Angel Status

Nanya Technology Corp. is a leading global supplier of DRAM (dynamic random-access memory) chips.

Nanya was a highly-rated entity, with AVED holding strong in the 'A' to 'AA' categories through most of 2023. However, AVED detected a coming shift in the cyclical semiconductor industry and began a steep, multi-notch decline from its 'A+' peak in late 2023. Nanya then signaled with yellow light in AVED’s early warning system.

Nanya's "Fallen Angel" event was on 05/02/2025. AVED’s downgrade into 'BB+' territory preceded this official event by approximately four months, while traditional agency ratings appeared much later and offered no predictive warning. This demonstrates our model's ability to signal credit deterioration even for highly-rated entities.

Ready to transform your risk workflow?

We would love to show you what the AVED platform can do! Request a demo with our solution experts today.