Answer:
Asset transformer.
Step-by-step explanation:
Firstly, asset transformation is explained to be the process which involves asset creation which are from liabilities which posses different attributes combining small businesses etc. Therefore asset transformers are seen to purchase one security from a customer or makes and creates a separate claim in order to raise funds. In as much as it is seen as a risky thing to do; this is because these asset been acquired will be riskier than the deposit used to raise funds because the intermediary hopes to profit on the spread between the rate earned on the asset claim and the rate paid on the liability claim. Therefore this spread form is said to be positive, generally speaking, the asset must be riskier than the liability.