Latest Insights
Real outputs from Graam's agent pipeline. Click any report to read the full analysis.
Open Sourcing the Execution Layer of Structured Credit
From CDI files to executable deals
We're open sourcing graam-flows — a deterministic cashflow engine that replaces proprietary CDI files with human-readable, executable deal representations. Collateral projections, waterfall execution, and bond analytics — no vendor lock-in required.
IC Report on NQM Securitization
From prospectus upload to full IC package in minutes
I generated an IC-style report from an offering doc in minutes — the agent decomposed a 285-page prospectus, built a 10-tranche cashflow waterfall, validated it against the flows engine, extracted and stratified collateral, queried GSE performance data to build S-curves and loss forecasts, ran scenarios with NQM stress multipliers, and produced tranche-level yields, WALs, and breakeven analysis.
IC Report on Subprime Auto ABS
From prospectus upload to full IC package in minutes
The agent parsed a subprime auto ABS prospectus, built the waterfall, stratified the loan tape by FICO, APR, and term, queried EDGAR shelf performance with vintage-over-vintage comparisons, constructed loss curves from empirical data, ran base, stress, and severe scenarios, and produced tranche-level yields, WALs, and breakeven CDR analysis.
Structuring a Subprime Auto Loan Sale
From collateral tape to rated capital stack and preliminary prospectus
Starting from pool characteristics, the agent built a 6-tranche sequential-pay capital stack with a turbo mechanism, sized credit enhancement against loss assumptions, validated the waterfall through the flows engine across 58 cashflow periods, and generated a preliminary offering supplement — cover page through risk factors.