Dhruv IntelligenceThe fixed point.
Request AccessClient Sign-In

KAIROS · Principal Intelligence

Your financial intelligence — owned by you, compounding over time, with the only view across every bank, not just one.

Never be blindsided by your own credit facility again.

The fixed point.

Principal-side intelligence for securities-backed credit facilities. Powered by MACH11™.

You never pay to transact. We are never paid to steer you. Your interests, full stop.

Request AccessClient Sign-In

Learn more about KAIROS →

KAIROS · Principal facility view

Facility status

Principal LOC · Sample

Danger Zone
LTV
78.4%
Utilization
71.2%
Daily accrual
$1,842
Spread
+250 bps
Maintenance threshold watch — collateral recognition lag may widen effective LTV before statement reflects it.

This is what KAIROS shows a principal.

Illustrative example. Educational only.

WHAT KAIROS DOES

KAIROS is the first longitudinal behavioral study of securities-backed credit facilities — a 153-day observational protocol pre-registered on the Open Science Framework. It tracks every draw, every return, every accrual event, and every rate movement in real time, producing the first principal-side behavioral dataset of its kind. KAIROS is not a product. It is the research foundation that powers MACH11™ — and makes everything Dhruv Intelligence builds empirically grounded. No comparable dataset exists in the public or academic record.

MONK MODE

For the self-directed investor.

Free. Educational. No account required to explore. Understand leverage before it moves against you.

Learn more →

$138 Billion

against an estimated $5 trillion in eligible collateral

In August 2024, the Federal Reserve published its first-ever attempt to size the SBLOC market — an estimated $138 billion in outstanding SBLOC loans as of Q1 2024, against an estimated $5 trillion in eligible collateral, roughly 2.7% of all U.S. consumer credit. But here is what that number reveals: no dedicated data source for this market exists. These loans are folded into the Fed's Consumer Credit release without being broken out. They are not reported to credit bureaus. To produce even an estimate, Fed economists had to reconstruct the figure from four separate, indirect bank-sector datasets spanning 2011 to 2024. A market this large — and the central bank itself cannot measure it directly. If the Fed cannot see this market clearly, neither can the principals borrowing within it. That is the gap KAIROS exists to close.

Outstanding balances: Federal Reserve FEDS Note, August 2024. Eligible collateral is an estimated addressable figure.

The problem

Collateral Recognition Lag

Your collateral is not always worth what your facility says it is. Recognition delays, haircuts, and reclassifications create a gap between what you own and what your lender counts. This is not a rumor. FINRA — the industry regulator — states that if a collateral call is triggered, lenders often can make these decisions without giving you any notice. Every major SBLOC lender discloses the same language in their own terms. A forced sale can happen before you even know there was a problem. KAIROS watches that gap every day, so it is never invisible to you.

Source: FINRA — Securities-Backed Lines of Credit

Accrual Opacity

Interest on your facility accrues every single day. Most principals never see it until the monthly statement arrives — and by then, small anomalies have compounded into real money. SBLOCs are demand loans with variable interest rates. There is no requirement that the daily accrual be shown to you in real time, and no central source reports it. The Federal Reserve itself could only estimate the size of this entire market by stitching together indirect data. KAIROS surfaces accrual behavior daily — not monthly. You see it as it happens.

Source: Federal Reserve FEDS Note, August 2024

Advisor Misalignment

Your advisor manages your portfolio. Your facility is a separate system — separate incentives, separate risk triggers, separate behavior. No existing platform connects the two. The SEC states it directly: all broker-dealers, investment advisers, and financial professionals have at least some conflicts of interest with their retail investors — an economic incentive to recommend products that provide more revenue for the firm, even if not in the best interest of the investor. That is not an accusation. It is the regulator's own language. KAIROS sits on your side of the table — the only side with no conflict.

Source: SEC Staff Bulletin — Conflicts of Interest

  • April 14, 2026 — Provisional Patent Filed
  • April 2026 — MACH11™ and Dhruv Intelligence™ Trademarks Registered
  • June 1, 2026 — KAIROS Longitudinal Study Launched · OSF Pre-Registered
  • June 2026 — SOC 2 Type II examination in progress.
  • October 31, 2026 — KAIROS Study Close
Patent PendingMACH11™ Registered TrademarkDhruv Intelligence™ Registered TrademarkSOC 2 Type II examination in progress.OSF Pre-RegisteredDelaware C-Corp · Founded 2026

Why KAIROS?

The thesis behind principal-side intelligence for SBLOC facilities.

Learn more →

The Study

KAIROS is the first rigorous single-subject case study of an SBLOC facility from the principal's seat. OSF pre-registered.

Learn more →

Security

SOC 2 Type II examination in progress. Built for institutional-grade compliance from day one.

Learn more →

MACH11™ Institutional

The intelligence engine powering both principal and institutional intelligence — informed by KAIROS research. Built for principals, advisors, family offices, and enterprise white-label.

Learn more →

Platform

Company

Legal

Dhruv Intelligence provides informational and educational intelligence only. Nothing on this site constitutes investment, legal, tax, or financial advice, or a recommendation to buy, sell, or hold any security or to enter into any transaction. All decisions remain solely those of the user. Dhruv Intelligence is not a registered investment adviser or broker-dealer.

© 2026 Dhruv Intelligence, Inc. All rights reserved. · The fixed point.

New York, NY · San Jose, CA · Miami Beach, FL · Salt Lake City, UT

MACH11™ and Dhruv Intelligence™ are trademarks of Dhruv Intelligence, Inc.

Patent Pending. SOC 2 Type II examination in progress.

Institutional Access →

Dhruv Intelligence — Principal-side intelligence for SBLOC facilities