TrueTerm, Inc. · three-pronged portfolio
Credit designed to end.
TrueTerm by seedsOS · settled on XRPL. Part of a three-pronged intervention (seedsOS · TrueTerm · Wage30) for budget, trap credit, and wages hitting at once. This LPD is live scroll + motion + commentary — plus PPTX / PDF for the IC.
Demo narrative · Not a securities offering · Data room after registration
Format
LPD — Living Pitch Deck
Scroll or click next. Moving ambient graphics. Founder commentary. Deep links into the product. Download static decks when you need the boardroom pack. Same idea that powered our LoanCloud 3D scroll showcase — applied to fundraising.
Live
Chapters, motion, keyboard, progress rail.
Export
PPTX when available · Print → PDF always.
Proof
Open the real app from the deck.
Gate
Cap table / proforma in product data room.
Problem
Trap credit is one of three crises — and they hit together
Minimum payments stretch high-APR balances for years. But a household also lacks lifestyle truth and livable wage pathways. TrueTerm is prong 2 of a three-pronged intervention — not a standalone silver bullet.
Status quo
$5,000 @ ~28% min-pay · ~17 years · interest that dwarfs principal · budget + wage pressure at the same time
What we build for
- Real payoff date
- Behavior that rewards completion
- Plan context (seedsOS)
- Income / job funding (Wage30)
How it all comes together
Portfolio thesis · every product LPD
A three-pronged solution — because the crisis is three-pronged
Most households are not failing at one thing. Budget stress, trap credit, and non-livable wages hit simultaneously. One app cannot fix that. The intervention is three prongs working together.
seedsOS — See the truth
Lifestyle & budget OS — Winter truth through the seasons. What life costs and what a plan looks like.
TrueTerm — End the trap
Fixed-term installment credit designed to end — not revolving minimum-payment extraction.
Wage30 — Earn with dignity
Services marketplace + $30+/hr pathways — hire, sell skills, escrow, real-time wages.
Solution
Prong 2 — TrueTerm: fixed-term installment, not a line of credit
Credit designed to end: Clearask apply, Dual Look UW, Paid In Full Credit, XRPL fund rails — inside the same three-pronged stack as seedsOS and Wage30.
Fixed term
Amortizing installment with a contractual finish line.
Behavior moat
Product wins when loans complete — not when balances linger.
XRPL rails
RLUSD fund preferred; give-back narrative in XRP.
In the OS
How prong 2 attaches to the other two
seedsOS brings truth and plan. Wage30 creates purpose-known work and job funding demand. TrueTerm is the credit prong that ends — not revolving extraction.
Market
Balance-sheet repair at population scale
Massive revolving stock + households who always pay but never finish. We sell the end of the loan.
Economics
Unit economics live in the data room
This LPD sells story and proof surfaces. Cap table, proforma, and tape open after registration.
Illustrative ask
$3.5M equity + $25M warehouse target (illustrative)
Founder
Built by operators who live the problem
Antonio Calderon — 20+ years financial services lending experience across large institutions and startups; product, pricing, modeling, Finance build. CSU.
The ask
Partner on TrueTerm
Prefer capital partners who want living product proof — not only Fintech 1.0 PDFs. Use this LPD, open the app, then enter the data room for financial depth.
Illustrative fundraising narrative · Not an offer to sell securities · TrueTerm, Inc.