KeepFlying® Launches AI-Driven Lease Management System That Keeps the Commercial Layer of Every Aircraft Lease Live

Powered by FinTwin®, the new platform ingests operator reports automatically, cross-checks utilisation against ADS-B reality, flags lease contract violations, and calculates maintenance reserves and end-of-lease compensation without manual intervention, while seamlessly updating lessors model cashflows, contract value and risks before they sign.

SINGAPORE, Sept 21, 2026. KeepFlying®, a leader in Aviation AI and the company behind the Aviation Digital FinTwin® (Financial Twin), today announced the launch of its Lease Management System for Aviation Leasing, a platform built to keep the commercial and financial layer of a lease continuously active for the entire duration of the contract, not just at phase-in and redelivery. White Oak Aviation joins the launch as the platform’s first customer.

For most lessors, utilization reports arrive as PDFs and spreadsheets, reserves are reconciled in arrears, and covenant breaches often surface only at redelivery, when the money is hardest to recover. KeepFlying’s Lease Management System closes that gap by treating the lease as a living financial model that updates itself as the asset flies.

From static contract to live financial twin

At the core of the platform is FinTwin®, which ingests operator and asset reports automatically and converts unstructured data into validated commercial intelligence. Rather than waiting for a quarterly reconciliation, the system keeps the commercial layer of the lease active, continuously translating what the aircraft actually did into what it means for the contract, the reserves and the balance sheet.

Feeding that intelligence is KeepFlying’s LeaseSync module, which tracks titled asset movements and independently validates operator-reported utilization against ADS-B flight data. Reported utilization and observable reality do not always agree, and that divergence is where risk is created. By reconciling the two at source, LeaseSync gives lessors a defensible, evidence-backed view of how and where each asset is being used.

Covenant monitoring that never sleeps

The Lease Management System reads the terms and conditions of each lease and continuously tests the asset against them, surfacing potential violations as they occur rather than at return. This includes:

• Utilization variance: where actual flight hours and cycles, or the ratio between them, drift from contracted assumptions.
• Geographic and operating restrictions: flagging when an asset has operated in, or landed in, unauthorized regions or jurisdictions, based on ADS-B track data.
• Operating-environment exposure: detecting flying in harsh or restricted environments that materially change the asset’s maintenance and value trajectory.

Because the checks run against live data, lessors are alerted to a breach while there is still time to act on it commercially.

Reserves and end-of-lease compensation, calculated & forecasted automatically

The platform automates two of the most contested calculations in any lease. It computes and forecasts maintenance reserves and end-of-lease (EOL) compensation directly from validated utilization and operating data, for example quantifying harsh-environment exposure by tracking ADS-B data, applying the appropriate derate assumptions, and calculating the required reserve rates based on environment exposures. The result is a transparent, auditable reserve and compensation position that both lessor and lessee can trace back to how the asset was flown, reducing the disputes and reconciliation delays that typically dominate redelivery.

Financial models the lessor controls

Beyond monitoring, the Lease Management System gives end users configurable financial models they can tweak to support decisions across the full lease lifecycle: before, during and at end of lease. Users can:

• Forecast cashflows across the life of the lease under adjustable assumptions.
• Estimate expected contract value prior to a lease to price and structure deals with confidence.
• Assess Value at Risk (VaR), incorporating airline credit ratings, maintenance cost variations and asset value fluctuations.
• Run what-if scenarios to inform extension, transition, remarketing and redelivery decisions during and at the end of the lease.

This turns the platform into a decision-support engine: lessors can test the financial consequences of a scenario before committing to it, and revisit those assumptions as market conditions, credit quality and asset values move.

A true “data-to-dollar” workflow for lessors

“Aircraft leases are underwritten using financial and operational assumptions that can change materially over the life of the contract. Our Lease Management System gives lessors a continuously updated, evidence-based view of each asset by validating utilisation against ADS-B data, monitoring compliance with lease terms, and translating operating activity into auditable reserve, end-of-lease compensation and risk metrics. This enables earlier intervention, more accurate forecasting and better-informed asset management decisions throughout the lease lifecycle. That is the value of a true “data-to-dollar” workflow for lessors.”

Said Sriram Haran, CEO, KeepFlying®

Launch customer: White Oak Aviation Asset Managers

White Oak Aviation has signed on as the launch customer for the Lease Management System and will work with KeepFlying® to shape the platform’s roadmap.

“Aircraft lease management has traditionally relied on fragmented systems and labour-intensive reconciliation processes, limiting transparency and increasing the risk of inaccuracies in cashflow and asset-level reporting. KeepFlying’s Lease Management System brings operational, contractual and financial data together in a single validated view, enabling lessors to monitor performance more effectively, identify emerging issues earlier and make better-informed decisions throughout the lease lifecycle. As the launch customer, we look forward to working with KeepFlying to further develop AI-enabled capabilities that improve control, efficiency and financial visibility across our portfolio.”

Said Sean Cooney, Chief Financial Officer, White Oak Aviation

The Lease Management System extends KeepFlying’s FinTwin® platform, which is already in use across lessors, airlines and MROs, and is available now for aviation leasing organisations. For more information about KeepFlying® and its services, visit keepflying.aero.

About KeepFlying®

KeepFlying® is the pioneer of the Aviation Digital FinTwin®, an AI-powered financial intelligence platform that transforms airworthiness, maintenance, and operational data into actionable business insights for airlines, MROs, lessors, financiers, and asset owners. Founded in 2021 and headquartered in Singapore, KeepFlying® serves customers globally across Aviation, Aerospace & Defense. Visit www.keepflying.aero.