Market volatility exposure
GPU and IT hardware values fluctuate with rapid technology cycles. Without protection, portfolios carry concentrated residual risk that compounds across multiple assets.
Residual Value Solutions · RVI
Residual Value Insurance - eliminate downside risk on your IT infrastructure portfolio
Enterprise IT infrastructure and especially GPU infrastructure is scaling rapidly - but uncertainty around future value is limiting how it can be financed.
Transfer residual value risk through insurance-backed guarantees. Protect your leasing portfolio against market volatility - no matter how values move, your floor is protected.
100%
downside protection
ISO
9001 · 14001 · 27001 · 45001
35+ years
secondary market data
3
Solutions - RVG · RBA · RVI
Understanding RVI
What is Residual Value Insurance?
Residual Value Insurance is a financial guarantee provided by EPOKA that protects against downside risk on IT infrastructure at end-of-term. Unlike traditional insurance products, EPOKA acts as the direct guarantor, committing to a minimum asset value that will be honored when the lease expires.
The key distinction: you retain the choice. At contract expiry, you can either sell the equipment to EPOKA at the guaranteed price, or keep the hardware if it still serves your operational needs. This flexibility is what separates RVI from RVG, where EPOKA takes automatic ownership.
RVI operates on an annual premium structure. You pay a yearly fee for the guarantee, and that premium is assessed individually based on your specific Bill of Materials, equipment type, lease term, and risk profile. No two RVI agreements are identical.
How RVI works
- Annual payments Yes
- EPOKA owns equipment at EOL Your choice
- Upside potential You keep it
- Downside protection Guaranteed
- Operational flexibility Full
Key advantage: RVI gives you downside protection while preserving the option to retain equipment that continues to deliver value. You're not forced to dispose of assets that still serve your business.
How premiums work
Annual Premium Structure
Unlike RVG where EPOKA's commitment is paid through the residual value structure, RVI protection is purchased through transparent annual premiums you can budget across the lease term.
Year 1
Year 2
Year 3
Predictable Protection Costs
Each premium is calculated based on your equipment's specific risk profile. GPU servers carry different residual volatility than enterprise storage. Three-year leases present different risk windows than five-year terms.
The premium reflects the value of optionality, you're paying for the right to choose at end-of-term. Either take EPOKA's guaranteed payment, or retain equipment that continues serving your business.
What Determines Your Premium?
01
Equipment Type & Model
Newer GPU generations have less pricing history. Established enterprise hardware has decades of market data. Risk assessment differs accordingly.
02
Lease Term Length
Longer terms mean more uncertainty about end-of-life values. Technology cycles and market patterns become harder to predict beyond 3-5 years.
03
Portfolio Concentration
A single €10M GPU cluster carries different risk than ten €1M deployments across varied hardware. Diversification affects pricing.
04
Market Liquidity
Secondary market depth for your specific hardware affects how confidently EPOKA can underwrite the guarantee. Deep markets enable tighter pricing.
Residual Value Risk Creates Exposure that Limits Infrastructure Deployment
Without downside protection, organizations face uncertainty that restricts deal structures and portfolio growth
Capital allocation constraints
Unprotected residual positions tie up capital reserves and limit deployment capacity, restricting how much new infrastructure can be financed.
Conservative pricing required
Without downside protection, deals must be priced with wide margins to account for worst-case scenarios, making financing less competitive.
YOUR CHOICE AT END-OF-TERM
Three Options
You decide what happens to your equipment when the agreement expires. The guaranteed price is locked in upfront - the choice is entirely yours.
KEEP
Keep the equipment
Continue using hardware that still delivers value to your business
Read more
SELL
Sell to EPOKA
Dispose at guaranteed price with instant settlement
Read more
EXTEND
Extend coverage
New agreement with fresh guaranteed value for continued protection
Read more
Unlike traditional insurance products that force specific outcomes at contract end, RVI gives you complete flexibility when your agreement reaches its expiration date. The guaranteed residual value was established at the outset, that number doesn't change. What happens next is your decision based on your operational reality at that moment.
You're never obligated to dispose of assets that continue delivering value to your business. You're never stuck with equipment you no longer need. And you're never forced into arbitrary technology refresh cycles that don't align with your actual requirements.
This end-of-term flexibility is what separates RVI from rigid disposal mandates or inflexible lease structures. Whether you keep the hardware, sell it to EPOKA at the guaranteed floor, or extend coverage for another term, the choice reflects your business needs - not contractual constraints.
How it works
Insurance-backed protection in four steps
EPOKA structures downside guarantees using insurance capacity and proprietary market data
01
Portfolio assessment
We review your leasing portfolio, equipment types, and contract terms to structure coverage parameters.
02
Floor value determination
Using 35+ years of secondary market data, we set insured floor values based on actual trading history.
03
Insurance placement
EPOKA arranges insurance-backed protection that guarantees the floor value at end-of-term.
04
Claim Execution
If market values fall below the floor, insurance pays the difference - EPOKA handles all logistics.
Why RVI
GPU Infrastructure Protection That Enables Growth
Downside elimination
Lock in floor values at deal inception. Market crashes, technology shifts, and demand shocks become irrelevant, your minimum return is guaranteed.
Capital efficiency
Protected assets require less capital reserve allocation. Free up balance sheet capacity to deploy more infrastructure without increasing risk exposure.
Competitive economics
With downside protection in place, you can structure deals with tighter spreads and more aggressive residual assumptions, winning opportunities you'd otherwise decline.
Deal flexibility
Insurance-backed coverage enables longer contract terms, higher advance rates, and structures that would be too risky without protection.
Portfolio diversification
Enter new equipment categories and customer segments with confidence, insurance coverage absorbs the learning curve risk.
Predictable outcomes
Remove residual value volatility from financial projections. Model portfolio performance with certainty instead of wide probability ranges.
Comparison
RVI vs Unprotected GPU Infrastucture
Insurance-backed protection changes the risk profile of IT infrastructure investments
With RVI
Without protection
Downside exposure
✓
Insured floor value
✗
Full market risk
Capital requirements
✓
Reduced reserves
✗
Higher allocation
Portfolio concentration
✓
Risk distributed
✗
Concentrated exposure
Deal competitiveness
✓
Tighter pricing possible
✗
Conservative margins required
Financial predictability
✓
Floor guaranteed
✗
Wide outcome range
Tailored structures
Every RVI Agreement Is Built For Your Situation
EPOKA doesn't offer standard insurance packages. We assess your equipment portfolio, risk profile, operational requirements, and business objectives, then structure an RVI agreement that addresses your specific needs.
Portfolio-specific terms
Premium rates, coverage levels, and end-of-term options are determined by your actual Bill of Materials and deployment scenarios, not generic industry benchmarks.
Flexible end-of-term rights
Some clients need the option to extend equipment life. Others want simplified disposal. We structure the choice mechanism to match how you actually operate.
Risk-adjusted structures
New equipment categories carry different risk than established models. Longer lease terms change the dynamics. We adjust coverage parameters accordingly rather than applying fixed formulas.
Ready to structure coverage?
Let's discuss your infrastructure protection needs
Share your deal parameters and we'll build an insurance-backed structure that works
Get in touch about Residual Value Insurance
RVI Frequently Asked Questions (FAQ)
What is Residual Value Insurance for IT equipment?
What is Residual Value Insurance for IT equipment?
Residual Value Insurance is an insurance-backed guarantee that protects against downside risk on IT infrastructure. EPOKA arranges coverage that pays out if end-of-term market values fall below an agreed floor, eliminating residual value volatility from your portfolio.
How is RVI different from RVG?
How is RVI different from RVG?
RVG (Residual Value Guarantee) is EPOKA's direct commitment to pay a guaranteed value and handle logistics. RVI (Residual Value Insurance) uses insurance capacity to provide a financial safety net against downside risk.
What equipment types can be covered?
What equipment types can be covered?
EPOKA focuses on GPU servers, enterprise storage, networking equipment, and datacenter infrastructure. Coverage depends on equipment liquidity and EPOKA's trading data for that category. Viability is determined during initial portfolio review.
How are insured floor values determined?
How are insured floor values determined?
Based on EPOKA's proprietary secondary market data accumulated over 35+ years of daily IT hardware trading. Floor values reflect realistic downside scenarios grounded in actual market behavior, not theoretical depreciation models.
