WHO WE ARE
2GenPen delivers AI-driven Structural Credit Intelligence for the $300 trillion global credit market giving investors, issuers, and financial institutions the ability to evaluate credit dynamically and with a depth that has never existed before.
THE TECHNOLOGY
Powered by U.S. Patent, the only patented AI credit score across all asset classes.  2GenPen complements traditional credit ratings with a multidimensional layer of forward-looking structural intelligence. One universal standard. Every credit. Every market.
MUseQ® is the engine. Trained on $500B+ in structured financings across 30 years of practice, MUseQ® evaluates credit across six primary risk dimensions: Structural, Economic, Liquidity, Political, Operational, and Environmental and stress-tested across thousands of scenarios in real time. Ground truth in AI, not theory on a legacy framework.
THE PRODUCTS
MQval™ produces a cardinal numeric score across every asset class by making cross-asset credit comparison possible for the first time. MQreport™ delivers AI-generated intelligence that complements the rating agency narrative. MQube™ the platform brings it to institutional scale.
THE MARKET WE ARE CREATING
CMLO® is the market that has never existed. What CLOs did for the $1.2 trillion corporate loan market, CMLOs do for the $4 trillion municipal market by pooling fragmented credits into a tradeable instrument that unlocks capital for U.S. infrastructure. CSLO™ takes this to sovereign debt markets globally.
THE FOUNDER
Architect of DBC Finance, used daily by every major investment bank. Founder of Precision Analytics, advisor on $500B+ in transactions over 30 years. Laurence H. Wadler is the CEO and Co-Founder of 2PenGen. 

One Intelligence. Every Credit.

2GenPen

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