Company
About Dhruv Intelligence
Built for the principal. Not the advisor.
Dhruv Intelligence, Inc. is an AI-native financial intelligence company focused exclusively on the SBLOC principal. We build tools that give principals the same visibility into their securities-based credit facilities that institutions have always had — and more.
The company was founded on a simple observation: the $138 billion in outstanding SBLOC loans — against an estimated $5 trillion in eligible collateral — has no principal-side intelligence layer. Advisors have platforms. Institutions have systems. Principals have statements. That asymmetry is the problem KAIROS was built to solve.
Dhruv Intelligence is the intelligence layer. MACH11™ is the engine that powers it — for principals and institutions alike. You never pay to transact. We are never paid to steer you. Your interests, full stop.
KAIROS is the first rigorous single-subject case study of an SBLOC facility from the principal's seat — tracking draws, returns, accrual events, collateral recognition, and rate sensitivity in real time. A market-wide principal dataset is the long-term vision; today, KAIROS starts with one facility, observed rigorously from the inside.
Dhruv Intelligence is a Delaware C-Corp. We hold two registered trademarks — DHRUV INTELLIGENCE™ and MACH11™ — and a provisional patent on our core intelligence architecture. SOC 2 Type II examination in progress.
You never pay to transact. We are never paid to steer you. Your interests, full stop.
New York, NY · San Jose, CA · Miami Beach, FL · Salt Lake City, UT
Institutional inquiries welcome at info@dhruvintelligence.ai.
Outstanding balances: Federal Reserve FEDS Note, Aug 2024. Eligible collateral is an estimated addressable figure.
The Name
Dhruv (DROOV — rhymes with "groove") — Sanskrit for the North Star, Polaris. The one point in the sky that never moves while everything else rotates around it. For thousands of years, navigators used Dhruv to find their position when everything around them was uncertain. That is what Dhruv Intelligence does for SBLOC principals. In a market where institutions control the information, where collateral is miscounted and accruals are opaque and advisor incentives are misaligned — Dhruv is the fixed point. The reference that does not move.