Real PC Unveils Groundbreaking Fraud Detection Pilot Results: Bringing Blockchain Accountability and AI-Powered Trust to the $1.8 Trillion Private Credit Market

NEW YORK--(BUSINESS WIRE)--Real PC, an innovative financial technology startup today announced the successful launch of its pilot program focused on preventing fraud in private credit transactions. Leveraging a powerful combination of proprietary Artificial Intelligence (AI) and blockchain technology, Real PC’s pilot has already detected multiple instances of double, and even triple pledging of the same assets within several private credit collateral classes, including high-value art and the high-volume automotive lending sector—evidencing a systemic vulnerability that has plagued the private credit industry.

The company's core mission is to replace opaque trust with immutable truth, creating a secure, transparent pipeline that will not only protect lenders from catastrophic losses but also facilitate a vital expansion of financing access to credit-starved segments of the population, including underserved consumers and small business owners.

"The current private credit ecosystem is operating on a foundation of trust that has proven deeply fragile and exclusionary. High-profile bankruptcies, such as the recent collapse in the subprime auto lending space, show that the entire industry—from the largest banks to the most vulnerable borrowers—is exposed to systemic failure," said Cole Snell, Founder and CEO of Real PC. "Our pilot program has already uncovered numerous examples of fraudulent asset pledging, proving that our AI-powered, blockchain-secured platform isn't just a future concept; it's a necessary fix that is solving the problems of decades-old infrastructure today."

The pilot program focused on one of the most common and damaging forms of private credit fraud: an originator or borrower pledging the same collateral to multiple lenders without disclosure. In the automotive sector, this can involve using the same vehicle as security for two or three different loans, or selling the same vehicle-secured loan to multiple buyers. REAL PC’s solution, built fresh with modern technology, provides an immediate, auditable, and immutable record of asset ownership via tokenization, offering an early warning system that legacy systems cannot match.

The pilot successfully demonstrated REAL PC's ability to:

• Detect Dual Pledging. The AI engine flagged multiple instances where the same collateral (vehicle's VIN; a piece of high-value art) was used to secure separate lending agreements, a significant contributor to lender losses.
• Prevent Catastrophic Risk. By integrating blockchain-level accountability, REAL PC provides a single, unchangeable source of truth for asset ownership and lien status, thereby reducing counterparty risk for commercial banks, warehouse lenders, and private credit firms.

Real PC was founded on the principle that the democratization of private credit is essential for U.S. economic competitiveness. Legacy systems, financial jargon, and traditional gatekeeping have historically excluded average Americans, forcing credit-starved segments—like those with lower FICO scores or small business owners—into predatory financing arrangements.

"The Tricolor case showed us the devastating human cost of this industry’s failures: people lose their cars, their livelihoods, and their financial futures. Large institutions also suffer massive losses," Snell commented. "Using our expansive proprietary dataset, we reverse-engineered this problem and built a solution that protects everyday Americans while securing the investments of major financial players. Our technology is the 'Golden Key,' establishing a new industry seal of trust."

By offering its platform to asset originators for free, REAL PC is driving down friction and creating the necessary efficiencies for more capital in non-bank environments to flow safely and affordably to where it's needed most.

REAL PC’s technology is designed to address the challenges posed by outdated financial infrastructure. The company is actively positioning itself as a thought leader on the modernization of financial law, including Article 12 and the Uniform Commercial Code (UCC), advocating for how asset securitization and perfection can be strengthened through blockchain and AI.

"We are not waiting for future innovations. Our technology is already working to solve a massive, growing financial bubble," concluded Snell. "Real PC is committed to providing a transparent, regulated, and tech-first pipeline that drastically reduces fraud, protects institutions, and finally allows a wider range of Americans to access the vital financing they need to build their businesses and their lives."

REAL PC now offers its AI-powered, blockchain-backed platform to private credit asset originators of all types, as well as commercial banks, warehouse lenders, and private credit firms seeking to eliminate systemic fraud and drive efficiency in their private credit operations.

About Real PC

Real PC is a financial technology startup dedicated to bringing accountability and transparency to the private credit market through a combination of proprietary AI fraud detection and blockchain asset tokenization. Committed to replacing trust with truth, Real PC aims to secure the trillions of dollars in transactions in the private credit industry while expanding access to capital for small businesses and credit-starved segments of the population.

More information about Real PC is available at https://realpc.ai/.