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Short answers to the questions we hear most often. Each answer links to the page with the full detail. Nothing here is legal, tax or investment advice.

About Libertum

What is Libertum?

Libertum builds T-Suite, a multi-chain platform for tokenizing real-world assets. Issuers turn assets such as real estate, equity, debt, receivables, revenue streams and commodities into compliant on-chain tokens, offer them to verified investors through a marketplace, and service them afterwards. See Start here.

Who is it for?

Investors, issuers, asset managers and transfer agents, plus developers who need the technical reference. Each role has its own guide in the User Manual.

What are the three platforms?

  • Investor — KYC, marketplace, orders, portfolio, dividends, voting and redemptions.
  • Issuer — KYB, the Tokenization Wizard, cap table, dividends, governance, redemptions and agreements.
  • Asset Management — an asset registry, a workspace per asset, lifecycle tracking and the Tokenization Bridge.

They run in the same app and share one identity and compliance layer. See the Platform map.

Which blockchains are supported?

On mainnet, ERC-3643 (T-REX) security tokens are live on Base, Ethereum, Polygon, Arbitrum and BNB Smart Chain; ERC-20 on Base and Ethereum; ERC-721 on Base. On Cardano, CIP-20 metadata tokens are live on mainnet; CIP-113 is live on Cardano mainnet and preview, on the Cardano Foundation’s canonical CIP-113 deployment. On the XRP Ledger, issued currencies (trust-line tokens) and XLS-33 MPTs are live on mainnet. See Token Standards & Smart Contracts.

Is Libertum a broker-dealer or an investment adviser?

No. Libertum is a technology provider. Securities-law obligations — registration or exemption analysis, offering-document content and jurisdiction-specific disclaimers — remain with the issuer and its counsel. Libertum does not give investment or tax advice. See Compliance Enforcement.

How do I get started?

Create an account in the app at app.libertum.io. An Investor account is free; a 7-day trial is available on eligible paid plans. Then follow the guide for your role in the User Manual.

Licences & compliance

Which licences do Libertum group entities hold?

Libertum group entities hold the following licences and registrations, each by a specific entity:

  • Libertum, S.A. de C.V. — Digital Asset Service Provider (DASP / PSAD) licence from the CNAD, El Salvador, registry entry PSAD-0094, granted 31 August 2026; and a Bitcoin Service Provider (BSP) registration with the Government of El Salvador, registered 7 October 2024.
  • Libertum LLC — Money Services Business registration with FinCEN, United States (no. 31000312444528).
  • Al Xolame Assets Real Estate L.L.C — a Dubai commercial licence for buying and selling real estate (an asset-holding entity, not a financial-services licence).

See Licences.

What does the DASP licence cover?

It authorises Libertum, S.A. de C.V. to provide custody, exchange and transfer of digital assets, and receipt and transmission of client orders, for USDT and USDC (LEAD Art. 19 (a), (d) and (f) numerals 1 and 2). In T-Suite this is the custody of USDT and USDC in the Custodian Wallet. Separately, custody of RLUSD has been approved by El Salvador’s CNAD under Libertum’s DASP registration (PSAD-0094).

Does the DASP licence let me issue tokens?

No. The licence does not authorise issuance. Each issuer, and each issuance, registers separately with the CNAD, and issuers carry out their own registration or exemption analysis with their counsel. The licence also does not cover the promotion, structuring or management of investment products (LEAD Art. 19(e)). See Licences.

Does the DASP licence apply outside El Salvador?

No. It has effect in El Salvador only and confers no passporting rights or authorisation in the EU, the United States, the United Kingdom or elsewhere. Customers still need their own authorisations in their own jurisdictions.

What is the difference between KYC and KYB?

Both run through SumSub. KYC verifies an individual investor’s identity. KYB verifies a business and its beneficial owners before it can act as an issuer. KYC alone does not let an investor buy a given offering: the investor’s wallet must also be whitelisted for that offering. See Compliance Enforcement.

How is compliance enforced on chain?

For ERC-3643 tokens, every transfer is checked by the token contract before any tokens move: the receiver must be verified in the Identity Registry, and each enabled compliance module — country allow, country restrict, supply limit, max balance and hold time — must pass. If any check fails, the transfer reverts. See Compliance Enforcement.

How do I check an offering’s smart-contract certificate?

Every offering deployed on T-Suite is automatically checked on-chain and receives a signed Smart Contract Certificate, issued by Libertum, S.A. de C.V. (CNAD-registered DASP, PSAD-0094) as the platform provider. It covers EVM (ERC-3643, ERC-20, ERC-721), Cardano CIP-113 and XRPL (issued currencies and MPTs); imported tokens are certified “as observed — not deployed by Libertum”. The certificate separates the rules the contract enforces on-chain from the controls the platform enforces off-chain. It is signed with Ed25519, its fingerprint is anchored on the offering’s own chain, and it is re-checked nightly: a contract change issues a new version and supersedes the old one, and a failing check hides the badge.

Issuers see the certificate on the offering dashboard and in the data room; investors see a “Certified by Libertum” badge. Anyone can verify the signature, the on-chain anchor and the PDF fingerprint at https://tsuitenew.libertum.io/verify/CERTIFICATE-NUMBER.

The certificate records the results of Libertum’s automated technical checks at the time stated. It is not a certification for a public offering under the Digital Assets Issuance Law (LEAD), and it is not a regulatory approval of the offering or its issuer. See Compliance Enforcement §11.

For investors

What do I need before I can invest?

  1. A verified account with KYC approved.
  2. A wallet whitelisted for the specific offering by its transfer agent.
  3. An order that meets the offering’s rules: minimum and maximum investment, country allow or restrict list, and any other limits the issuer set.

Accreditation is optional. You can apply on the Accreditation page with your evidence; the platform you registered on reviews it. An approved, in-date accreditation lets you invest up to an offering’s higher accredited-investor cap where the issuer has set one. See the Investor Guide.

How can I pay for an order?

By card through Stripe, by bank wire to the issuer’s published account, or in stablecoins: USDC and USDT on EVM (via Escrow); RLUSD and USDC on the XRP Ledger. USDT is not accepted on XRPL (there is no native Tether on XRPL). On XRPL you pay from your own XRPL wallet (with the destination tag shown) or from your custodian balance, and some XRPL offerings settle atomically (delivery-versus-payment). You can also pay directly from your custodian balance (custodian checkout): the network fee is sponsored for you and billed to the offering’s issuer. See the Investor Guide.

What is the Custodian Wallet?

A platform-managed wallet, so you do not need to manage your own keys. Custody of USDT and USDC in it is provided by Libertum, S.A. de C.V. under PSAD-0094; RLUSD can also be held in XRPL custodian wallets, and custody of RLUSD has been approved by El Salvador’s CNAD under Libertum’s DASP registration (PSAD-0094). Withdrawals go only to a saved address that is at least 24 hours old, and each one needs step-up verification. It is enabled per deployment. See Custodian Wallet.

Can I sell my tokens?

Where the issuer enables it, through the P2P secondary market, which is live on Base mainnet. Secondary trades are still subject to the token’s on-chain compliance rules. Some offerings also open redemption windows, where you can request that the issuer buy back your tokens. See the Investor Guide.

How do dividends and redemptions work?

The issuer declares a distribution and the platform pays each holder’s share, in USDC/USDT on EVM or RLUSD/USDC on XRPL. The dividend and redemption fees are deducted at payout, so you are paid net of the fee and your notice shows gross, fee and net. For redemptions, the issuer opens a window; you submit a request, and after approval your tokens are submitted and your payout is sent to a payout account you have saved (RLUSD or USDC payouts are available for XRPL offerings). See the Investor Guide.

Does Libertum provide tax statements or tax advice?

No tax advice. The Statements area (Limited, phase 1) shows a summary and one feed of orders and dividends that you can export. It does not produce PDF statements or tax forms yet. See the Investor Guide.

For issuers

How do I become an issuer?

Complete KYB through SumSub from your account; Libertum gives final approval. You then need an active plan to publish offerings. See the Issuer Guide.

Does Libertum register my offering with a regulator?

No. Using T-Suite does not register an issuer or an offering. Each issuer, and each issuance, registers separately with the relevant regulator — in El Salvador, the CNAD — and issuers do their own registration or exemption analysis with their counsel. See Licences.

Which token standard and chain should I choose?

ERC-3643 (T-REX) is the security-token standard, live on Base, Ethereum, Polygon, Arbitrum and BNB Smart Chain mainnet. ERC-20 is live on Base and Ethereum; ERC-721 on Base; CIP-20 and CIP-113 on Cardano. On the XRP Ledger, issued currencies (trust-line tokens) and XLS-33 MPTs are live on mainnet and selectable in the Tokenization Wizard; DEX trading of MPTs waits on the MPTokensV2 amendment. See Token Standards & Smart Contracts.

What does the Structuring module do?

Status: Beta. A software tool, at USD 500/month, that helps issuers and their counsel prepare offering documents in English or Spanish, using jurisdiction packs (El Salvador CNAD/LEAD, US SEC Reg D / Reg S, EU MiCA / MiFID II, Cayman Islands CIMA). The Cayman Islands pack has been reviewed by Cayman counsel and published; the other three are pending counsel review. You can invite your team and outside contributors to a project and share a review link with your own outside counsel. Libertum does not offer a paid legal review, and Structuring is not a Libertum structuring service. See Structuring.

Can I require investors to sign an agreement?

Yes. Turn on “requires agreement” per offering and master-sign the template; orders are refused until you do. Investors sign with an email OTP, and each signature has an Audit Trail with hashes of the agreement body and executed PDF. See the Issuer Guide.

Can I run the platform under my own brand?

Yes. The Whitelabel Platform gives you your own branding and custom domain, and is included with Issuer Starter, Issuer Growth, AM Starter, AM Pro and Enterprise. The older single-offering shopfront is deprecated. See Whitelabel.

Can I bring a token I already issued elsewhere?

Yes. Import token in the Issuer sidebar reads an existing token from the chain — on supported EVM networks, Cardano or the XRP Ledger — after you prove control of it by signing a message from an owner, admin or agent address. You then see its holders and transfer history. Imported tokens start read-only; for EVM tokens you can grant Libertum roles, or use Hand control to Libertum, and then list and service the token through the normal offering wizard. Nothing on the contract changes until you act. See the Issuer Guide.

For asset managers

How is an asset manager different from an issuer?

An issuer tokenizes an asset and distributes it to investors. An asset manager tracks and operates a portfolio of assets — some tokenized, some not — often for several clients. See the Asset Management Guide.

What does the Asset Management platform track?

A central registry of every managed asset, a workspace per asset (financials, documents, maintenance, compliance, valuation, holdings, audit and governance), lifecycle stages from pipeline to disposition, and reports. See the Asset Management Guide.

What is the Tokenization Bridge?

The step that hands an asset you manage to the Issuer platform so it can become a tokenized offering. Each asset has a readiness score showing which information is still missing. See the Asset Management Guide.

Which plan do I need?

AM Starter (USD 299/month, up to 25 assets) or AM Pro (USD 499/month). Issuer Growth (USD 499/month) and Enterprise (USD 999/month) also include Asset Management. The plan page is authoritative.

Products

What is T-Suite?

The tokenization platform itself: the Investor, Issuer and Asset Management platforms, the Tokenization Wizard, KYC/KYB, marketplace, orders, dividends and governance. Status: Live. See T-Suite.

What are the Distribution Hub and Libby AI?

The Distribution Hub (USD 149/month) is an investor CRM for issuers: contacts, organisations, campaigns, pipeline, communications and analytics. Libby AI (USD 349/month, requires the Hub) is Libertum’s AI assistant: copilot chat, AI discovery of investors with cited sources, enrichment and matching. See Distribution Hub and Libby AI.

What is Stablecoin Studio?

Tenant-branded stablecoin issuance in three tiers: Starter USD 19.99/month (1 token, testnets only), Growth USD 49.99/month (3 tokens, testnets and Cardano mainnet) and Enterprise USD 199.99/month (unlimited). See Stablecoin Studio.

What is T-Pay?

Status: Limited. A fiat on-ramp and off-ramp for investors through Bridge.xyz. Availability is limited and a 1% developer fee applies to ramp transactions. See T-Pay.

What is T-Suite Funds?

Status: Live — access by request. White-label infrastructure for fund administrators, in its own Funds tab: multi-client operator mode, NAV packs validated, approved and published on-chain with their SHA-256 hash, dealing for open-ended funds, private markets for closed-ended funds, three-way reconciliation, journals and a developer platform. The administrator remains the NAV calculation agent and the transfer agent; Libertum is not the administrator of any fund. USD 1,000/month for unlimited funds, plus a distribution fee agreed with each administrator. See Funds and the Funds guide.

Is B-DEX live?

No. Status: Preview — not live. The in-app Convert screen is a preview with no live trading. See B-DEX.

Pricing & plans

What plans are there?

PlanMonthly (USD)Annual (USD)Notes
Investor Free00
Pay Per Listing499 per listing—
Issuer Starter2992,8683 mainnet offerings, 3 seats
AM Starter2993,82825 assets
Issuer Growth4994,78810 mainnet offerings, includes Asset Management
AM Pro4996,708
Enterprise9999,588Unlimited

Offering limits count mainnet offerings only. The plan page is authoritative.

Is there a free trial?

Yes, a 7-day trial on eligible plans. Returning subscribers do not get a second trial. See Plans, Modules & Pricing.

How much do the add-ons cost?

Structuring USD 500/month; Distribution Hub USD 149/month; Libby AI USD 349/month (requires the Hub, so USD 498/month together); Stablecoin Studio USD 19.99, 49.99 or 199.99/month; Funds USD 1,000/month (by request, for fund administrators). Dozens of à-la-carte feature modules are also available. See Plans, Modules & Pricing.

What transaction fees apply?

Defaults under the Subscription Agreement are: distribution 1% (minimum USD 5), redemption 1% (minimum USD 5), dividend 0.5% (minimum USD 1), secondary listing USD 25, secondary trade 0.5%, KYC USD 5 per investor and KYB USD 15 per entity, network (gas) cost + 10% billed to the issuer, card processing at Stripe’s cost passed through + 0.5%, and data export USD 500. No fee has a maximum. Libertum may agree different rates for a specific issuer or offering; the Subscription Agreement governs. Issuer fees are invoiced monthly on the Libertum invoice. See Plans, Modules & Pricing.

How is AI usage billed?

Distribution Hub/Libby AI and Structuring each include USD 100/month of AI credit for the account owner. Usage above the included credit is billed on your subscription invoice if you pay for your subscription by card; otherwise it appears on your monthly Libertum invoice. A usage gauge shows consumption, and “Prefill with Libby” in Structuring shows a cost estimate before spending. See Plans, Modules & Pricing.

How do Libertum invoices work?

Libertum fees are invoiced monthly. At the start of each month, a Libertum invoice is drafted for each issuer with a per-offering breakdown — distribution, redemption and dividend fees, issuer-billed gas, KYC/KYB, plan and add-ons, and AI usage — and items already paid by card are shown and deducted. Libertum reviews it, then it is emailed to you and appears in T-Suite under Settings → Libertum Invoices. Payment terms are Net 15, with reminders 3 days before and on the due date; after that the invoice is overdue. Pay by bank transfer or through the optional Stripe payment link; your card is not charged automatically for invoices. See Plans, Modules & Pricing.

Who pays network fees for Custodian Wallet withdrawals?

You do only when Libertum has investor gas billing switched on: a network-fee estimate is shown, and the fee is paid from a prepaid gas balance or charged by card through Stripe, with a USD 5 minimum charge. While it is off, withdrawal network fees are sponsored. XRPL transactions are never charged. See Custodian Wallet.

Do investors pay gas when buying?

Not when paying from the custodian balance: custodian checkout is gas-sponsored, and the network fee is billed to the offering’s issuer (network cost + 10%) on the monthly Libertum invoice. Investors are never charged gas for XRPL transactions. Transactions you sign yourself from your own connected EVM wallet are paid by you, the signer. See Plans, Modules & Pricing.

Security & infrastructure

How are accounts protected?

Sign-in uses email and password plus an email one-time code, and issues a JWT session token. You can turn on two-factor authentication with an authenticator app, with backup codes. Sensitive actions require an email one-time code. See Architecture & Integrations.

How are Custodian Wallet funds protected?

Keys are generated and stored encrypted by the platform (AES-256-GCM). Withdrawals go only to saved addresses at least 24 hours old, need step-up verification (email code, authenticator code or backup code), are subject to per-transaction and daily limits and sanctions screening, and above a threshold need manual approval by Libertum. Libertum can pause all custodian signing. See Compliance Enforcement.

How can a signed agreement be verified?

From the Audit Trail, export the record as JSON and download the executed PDF. Anyone can recompute the SHA-256 hashes of the agreement body and PDF offline, and check an on-chain anchor where one exists. The Libertum HMAC seal can only be verified by Libertum; there is no public verification endpoint. (Smart-contract certificates are different: they can be verified publicly at /verify — see Compliance §11.) See Compliance Enforcement.

Which third parties process data?

SumSub for KYC and KYB, Stripe for card payments and subscriptions, Bridge.xyz for T-Pay, and Anthropic Claude models for AI features. Blockchain transactions are public on their chain’s explorers. See Architecture & Integrations.

How do I report a security issue?

Email [email protected]. For product questions, email [email protected].