EJF Ventures Portfolio & Business Analysis

Parent Entity: EJF Capital LLC Nature of Business: Global institutional alternative asset management firm specializing in regulatory event-driven investing within the financial and real estate sectors. EJF Ventures, its venture arm, focuses on early-stage fintech, regtech, and digital infrastructure.

Professional Achievements: Managed ~$5.5 billion in AUM (as of late 2025); raised over $104 million for its dedicated Ventures Fund; pioneered the integration of blockchain into community bank core systems.

Corporate Headquarters: * Address: 2107 Wilson Boulevard, Suite 410, Arlington, VA 22201, USA

• Phone: +1 (703) 875-0591
• Public Inquiry: info@ejfcap.com / ir@ejfcap.com

II. High-Net-Worth Portfolio Businesses

1. Stablecore * Nature: Digital asset infrastructure platform enabling regulated banks to issue stablecoins and manage digital assets directly within existing banking cores.

• Achievements: Secured Series B funding in September 2025; established a first-mover advantage in the “Stablecoin-as-a-Service” market for US community banks.
• Location: Dallas, TX, USA.
• Contact: info@stablecore.xyz (Public domain)

2. Climate First Bank * Nature: A full-service, FDIC-insured commercial bank focused on environmental sustainability and values-based finance.

• Achievements: Successfully closed a debt financing round with EJF in October 2025 to scale solar lending and green infrastructure projects.
• Location: St. Petersburg, FL, USA.
• Contact: +1 (833) 210-2568 (General Line)

3. Revio Insight * Nature: AI-powered customer data platform for banks to analyze deposit trends, predict churn, and optimize customer lifetime value.

• Achievements: Integrated with major core providers (FIS/Fiserv); currently managing data for over 50 financial institutions.
• Location: Austin, TX, USA.
• Contact: hello@revioinsight.com (Public domain)

III. Predicted Next Phase Plans

1. AI-to-ROI Transition: Shifting from exploratory AI “build-outs” to deploying vertical AI applications that automate “back-office” investigation and anti-money laundering (AML) workflows for mid-market banks.
2. Private Credit Tokenization: Leveraging portfolio synergies (e.g., Provenance and Stablecore) to facilitate the securitization and real-time trading of private debt instruments on-chain.
3. Real-Time Payment (RTP) Ubiquity: Scaling infrastructure for community banks to participate in the FedNow and RTP networks, focusing on B2B customer acquisition and “primary operating relationship” retention.
4. Regulatory Arbitrage in Fintech: Capitalizing on 2026 banking policy shifts to invest in “balance-sheet-light” software that solves capital adequacy and risk retention challenges for traditional lenders.