XPayIndustry WIKIBack to home
XPAY KNOWLEDGE

Industry WIKI

Digital assets and currencies

Understand assets, networks and trading mechanics with sources you can check.

Banking

Asset-based lending

Asset-based lending is any kind of lending secured by an asset. This means, if the loan is not repaid, the asset is taken. In this sense, a mortgage is an example of an asset-based loan. More commonly however, the phrase is used to describe lending to business and large corporations using assets not normally used in other loans. Typically, the different types of asset-based loans include

Finance

Capitalization rate

Capitalization rate (or "cap rate") is a real estate valuation measure used to compare different real estate investments. Although there are many variations, the cap rate is generally calculated as the ratio between the annual rental income produced by a real estate asset to its current market value. Most variations depend on the definition of the annual rental income and whether it is

Securities & exchanges

Concession (contract)

A concession or concession agreement is a grant of rights, land, property, or facility by a government, local authority, corporation, individual or other legal entity.

Banking

Mortgage note

In the United States, a mortgage note (also known as a real estate lien note or borrower's note) is a promissory note secured by a specified mortgage loan.

Trading basics

Renting

Renting, also known as hiring or letting, is an agreement where a payment is made for the use of a good, service or property owned by another over a fixed period of time. Typically a written agreement is signed to establish the roles and expectations of both the tenant and landlord. There are many different types; a rental agreement tends to refer to short-term rental, whereas lease ref