For Investors

Who can invest on Libertum?

Anyone who passes KYC and resides in a jurisdiction the offering permits. Each offering configures its own jurisdiction allow-list and any accreditation requirements. Some offerings are open to retail investors; others restrict to accredited / institutional only.

What’s the difference between KYC and wallet whitelisting?

Two separate gates:

1. KYC verifies your identity once via SumSub. Once approved, you can browse, but you can’t yet invest in any specific offering.
2. Wallet whitelisting approves a specific wallet address for a specific offering. The issuer’s transfer agent reviews and approves; only then can tokens be allocated to that wallet.

KYC is reusable across the marketplace; whitelisting is per-offering.

How long does KYC take?

Typically minutes for clean submissions; up to 24 hours for cases that need human review (unusual ID, high-risk jurisdiction, accreditation evidence). You’ll receive emails at each status change: IN_PROGRESS → PENDING → APPROVED or REJECTED / RESUBMIT.

What documents do I need for KYC?

Always: a government-issued photo ID (passport, driver’s licence, national ID) and a live selfie.

Sometimes (jurisdiction-dependent): proof of address (utility bill, bank statement) and source-of-funds attestation.

For accredited offerings: accreditation evidence per your jurisdiction (income / net-worth / professional licence / self-attestation).

Which wallets does Libertum support?

EVM (Base / Base Sepolia) via RainbowKit + WalletConnect: MetaMask, Coinbase Wallet, Rabby, Rainbow, Trust Wallet, WalletConnect-compatible mobile wallets, hardware wallets via WalletConnect (Ledger, Trezor).

Cardano via CIP-30: Eternl, Lace.

You can have multiple wallets linked to the same Libertum account.

What payment methods can I use?

• Stripe card — Visa, Mastercard, Amex (Stripe-hosted; card details never touch Libertum)
• Bank wire — to issuer-published bank accounts, with mark-received workflow on both sides
• USDC / USDT escrow — direct on-chain via the EscrowController on Base
• Cardano stablecoin / native — for Cardano-side offerings

What’s the platform investment fee?

1% of the investment amount, added on top. If you invest $10,000, the platform fee is $100 and you pay $10,100 in total. The fee covers Libertum’s role in operating the platform, KYC pipeline, custody coordination, and compliance enforcement.

What’s the difference between on-order and on-deploy minting?

The issuer chooses one per offering:

• On-order minting (default for primary) — tokens are minted at the moment your order settles
• On-deploy minting — the full token supply was minted at deployment to a custodian wallet; on settlement tokens are transferred to your wallet

Either way, you receive your tokens once the order reaches MINTED status.

What status will my order go through?

PENDING → PAYMENT_RECEIVED (wire only) → SETTLED → MINTED (success path). Or REJECTED (compliance fail, rare) or CANCELLED (you or the issuer cancelled before settlement).

How do I claim a dividend?

For most offerings, you don’t claim — distributions are pushed automatically. The issuer declares a distribution; the platform calculates each holder’s pro-rata share; on the scheduled date the platform’s relayer pushes stablecoin to each investor wallet on chain. You’ll receive an email (dividend-distributed-body.ejs) with gross amount, fee, and net amount.

Some offerings use claim-style distributions where you sign a transaction to receive your share — those will surface a “Claim” button in the Dividends page.

Can I sell my tokens on a secondary market?

Yes, where the issuer has enabled secondary trading. Two models:

• P2P order book — create a sell listing with quantity and price; buyers commit and have a 20-minute payment window to settle
• Bonding-curve DEX (B-DEX) — for offerings tokenized as Bonding Token, sell directly back to the curve and receive stablecoin (less fee) at the curve’s current price

All secondary trades are still subject to on-chain compliance — country rules, hold time, max balance and supply caps still apply.

Why was my P2P trade rejected?

Most likely a compliance-module rejection — the buyer or seller is in a jurisdiction the offering restricts, the buyer would exceed the per-investor max balance, or the tokens are still inside the offering’s hold-time window. Contact support with the order ID for specifics.

What happens if I lose my wallet?

You can recover. Contact your issuer’s transfer agent (or Libertum support); after re-verifying your identity, the TA can use the on-chain recoveryAddress function to atomically transfer your tokens from the lost wallet to a new wallet and re-link the new wallet to your identity in the Identity Registry. Receiver verification still applies.

Can I export my transaction history for tax purposes?

Yes. Go to Transactions in the sidebar and click Export — you’ll get a CSV with date, offering, type, quantity, amount, fee, and on-chain transaction hash for every transaction. Distributions are also exportable from the Dividends page.

Does Libertum provide tax advice?

No. We provide statements; you’re responsible for tax classification and filing in your jurisdiction. The Statements & Tax module (INV-08) generates tax-ready reports but isn’t a substitute for a tax advisor.

Is my data secure?

Yes. Identity data is held by SumSub (an EU-licensed identity verification provider), payment data is held by Stripe (PCI-DSS Level 1), and on-chain data is fully public on Base / Cardano explorers. Libertum holds the link between your KYC profile and your wallet addresses; it’s protected by JWT auth, 2FA on every login, and idle timeout. Email [email protected] for security disclosures.