Investor Guide

Investor Guide

This guide walks you end-to-end through the Libertum investor experience: from creating an account to claiming dividends, redeeming and selling on the secondary market. Each section is self-contained — jump straight to the action you care about.

1. Creating an account & verifying email

Go to your Libertum portal URL (https://app.libertum.io for Libertum’s own T-Suite app, or your issuer’s branded domain for a whitelabel marketplace). Click Register.

You’ll be asked for an email address, a password (with strength meter), country of residence, and acceptance of Terms and Privacy Policy. Libertum applies a platform-wide country restriction list at signup, so some countries cannot register. After submitting, you’ll receive a 6-digit one-time code by email. Enter it on the Verify page before it expires to confirm your address.

2. Setting up Two-Factor Authentication

Two-factor authentication protects your account and the actions that move funds. Libertum uses:

• Authenticator app (TOTP) — Google Authenticator, Authy, 1Password or any TOTP app. Scan a QR code and enter the 6-digit code. You also receive backup codes; store them somewhere safe, because each can be used once if you lose your device.
• Email one-time codes — sensitive actions (for example a Custodian Wallet withdrawal or signing an agreement) ask for a code sent to your verified email.

You manage two-factor authentication in Settings → Security & MFA. We recommend enabling the authenticator app.

3. KYC — verifying your identity

Before you can place a primary order, your identity must be verified. Libertum uses SumSub as its identity provider; the flow is fully embedded in the app — you don’t leave to a third-party site.

What you’ll need: a government-issued photo ID (passport, driver’s licence, national ID), a live selfie, and (for some jurisdictions) proof of address and source-of-funds attestation.

The flow:

1. Click Complete KYC in your dashboard (or open Settings → Identity Verification).
2. Choose your country and document type.
3. Take photos of your ID.
4. Take a live selfie.
5. (If required) provide proof of address and source of funds.
6. Submit.

Status progression: NOT_STARTED → IN_PROGRESS → PENDING → APPROVED / REJECTED / RESUBMIT. Approval is typically minutes for clean submissions; up to 24 hours for cases that need human review.

Your verified profile (legal name, address, residence) is also what fills in investment agreements you sign later (see section 17).

Important: KYC APPROVED is necessary but not sufficient to invest in a specific offering. Your wallet address must also be whitelisted for that offering by the issuer’s transfer agent, and the offering’s own rules (country allow-list, minimum and maximum investment) still apply.

4. Connecting a wallet

Libertum supports two kinds of wallet: a self-custody wallet you connect yourself, and a Custodian Wallet that the platform holds on your behalf.

Self-custody wallet

Click Wallets in the sidebar, then Connect wallet.

EVM wallets (Base, Ethereum, Polygon, Arbitrum and their testnets) via WalletConnect: MetaMask, Coinbase Wallet and other WalletConnect-compatible desktop, mobile and hardware wallets.

Cardano wallets (CIP-30): Eternl, Lace.

Wallet whitelisting. Per offering, your wallet must be approved by the issuer’s transfer agent before you can receive tokens. The flow:

1. Submit your wallet for whitelisting from the offering page.
2. The transfer agent reviews and approves or rejects it.
3. You receive an email when approved or rejected.

You can have multiple wallets linked to the same Libertum account. Manage them in Settings → Wallet Management.

Custodian Wallet

Status: Live where enabled per deployment; withdrawals are enabled per deployment.

The Custodian Wallet is a platform-managed wallet held for you, one per network, with keys stored encrypted. Open it from Settings → Custodian Wallet in the sidebar. The page has three views: Wallets, Withdrawal addresses and Activity (your withdrawals and address changes, newest first).

Depositing. Click Receive on a wallet tile to see its deposit address. Each network shows the exact assets that are safe to send to it; sending any other asset can lead to loss. Testnet wallets are marked with a warning — never send real funds to them. The software supports EVM networks, Cardano and XRPL; the networks actually available to you depend on the deployment.

Saved withdrawal addresses. You can only withdraw to an address you saved in Withdrawal addresses at least 24 hours earlier. Each time you add an address, Libertum emails you a link to revoke it — if you did not add it, use that link immediately.

Withdrawing. Click Withdraw on a wallet tile, choose a saved address and an amount, then complete step-up verification with one of:

• a 6-digit email code (valid for 10 minutes), or
• an authenticator app code, or one of your 8 backup codes.

Withdrawals are subject to a per-transaction limit and a daily USD limit. Amounts above a set threshold wait for approval by Libertum before they are signed. Withdrawals are also sanctions-screened, and Libertum can pause all signing platform-wide if needed.

Network (gas) fees. Before you confirm, the dialog shows a network-fee estimate. The fee is taken from your prepaid gas balance or charged to your card via Stripe (minimum charge USD 5; 3-D Secure supported).

Cardano. Cardano custodian wallets are signed through Libertum’s Cardano service; the network fee is charged in the same way.

XRPL. Investors are never charged network fees for XRPL transactions.

Paying for an order from your custodian balance (custodian-balance checkout): Status: Live. You can pay for an order directly from your custodian balance, without connecting a wallet. Network fees for these checkout transactions are sponsored — you are not charged; they are billed to the offering’s issuer. See section 7 for all payment methods.

Custody of USDT and USDC is performed by Libertum, S.A. de C.V. under its CNAD registration PSAD-0094 (El Salvador). RLUSD can also be held in your XRPL custodian wallet and used for payments and payouts; custody of RLUSD has been approved by El Salvador’s CNAD under Libertum’s DASP registration (PSAD-0094). See Compliance for the scope of that licence and the Custodian Wallet product page for more detail.

5. Browsing the marketplace

The Primary Market page shows all currently-live offerings. You can filter by asset type and chain family, and sort by raise progress, target yield, ticket size, or time-to-close. Offerings marked Coming soon are not yet purchasable (see section 22).

Click into any offering to see its detail page, which has:

• Hero — name, asset class, headline yield, raise progress, time-to-close.
• Overview — asset description, location, key metrics.
• Terms — minimum and maximum investment, total raise target, distribution schedule, fees.
• Team — issuer profile, key personnel, track record.
• Documents — prospectus, legal agreements, due-diligence reports. If the offering requires an investment agreement, you sign it in-app (see section 17).
• Trust Topology — visual map of issuer → fund vehicle → token contracts.
• FAQ — issuer-curated questions.
• Certified by Libertum — a badge shown when the offering’s smart contract holds a valid Smart Contract Certificate, issued automatically by Libertum, S.A. de C.V. after on-chain technical checks. Anyone can verify a certificate (signature, on-chain anchor, PDF fingerprint) at https://tsuitenew.libertum.io/verify/CERTIFICATE-NUMBER. It 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 §11.
• Subscribe — the action panel where you choose quantity and payment method.

6. Placing a primary order

On the offering detail page, in the Subscribe panel:

1. Choose quantity (number of tokens) or input an investment amount in USD. The amount must sit between the offering’s minimum and maximum investment.
2. The summary shows the amount you will pay.
3. Choose your payment method: Stripe card, bank wire, USDC/USDT crypto (EVM), RLUSD/USDC on the XRP Ledger (for XRPL offerings), your custodian balance, or (for Cardano offerings) a Cardano stablecoin.
4. Click Subscribe. The order is created with status PENDING.

The distribution fee is charged to the issuer, not to you: it is 1% of the amount raised (minimum USD 5) by default, and Libertum invoices it to the issuer monthly. It is not added on top of your investment. (Libertum may agree a different rate for a given issuer or offering.)

At order time the platform checks the offering’s rules — country allow/restrict lists, hold time, maximum balance and your investment caps. On-chain, ERC-3643 compliance modules enforce the same kind of rules on every transfer.

7. Payment methods in detail

Stripe card

You’re redirected to a Stripe-hosted checkout. Card details never touch Libertum’s servers. On payment success, the order auto-progresses to SETTLED and (depending on the issuer’s mint-timing setting) tokens are minted to your wallet.

Bank wire

The issuer publishes one or more bank accounts at offering creation. When you choose Bank transfer:

1. Select an account from the published list (multi-currency support).
2. The platform shows wire details (beneficiary, IBAN/account number, routing/SWIFT, reference number).
3. Make the wire from your bank.
4. Click Mark as paid on the order page once the wire is sent.
5. The issuer verifies and clicks Mark received.
6. Order auto-progresses to SETTLED; tokens are allocated.

Why two confirmations? Both you and the issuer are on record acknowledging the wire moved. The platform retains both timestamps.

USDC / USDT (Escrow)

On EVM offerings you pay in USDC or USDT from your connected wallet. You sign an Approve transaction (once per token and contract) and then the payment transaction. The payment settles through Libertum’s Escrow contract to the issuer, and your tokens are allocated.

RLUSD / USDC on the XRP Ledger

On XRPL offerings you pay in RLUSD or USDC, either from your own XRPL wallet (sending to the address shown with the destination tag provided — the tag identifies your order) or from your custodian balance. Each payment is verified on-ledger before your order progresses. USDT is not accepted on XRPL (there is no native Tether on XRPL). Some XRPL issued-currency offerings settle atomically — payment and token delivery happen in the same ledger transaction (delivery-versus-payment). You are never charged network fees for XRPL transactions.

Custodian balance

You can pay from your Custodian Wallet balance (see section 4). Network fees for these transactions are sponsored for you and billed to the offering’s issuer.

Stablecoins accepted: 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).

Cardano stablecoin

Equivalent flow for Cardano offerings via Libertum’s Cardano service. You sign with your Eternl or Lace wallet; tokens are delivered to your address. On Cardano, offerings use CIP-20 metadata tokens or CIP-113 (programmable, regulated tokens). CIP-113 is live on Cardano mainnet and preview, on the Cardano Foundation’s canonical CIP-113 deployment.

T-Pay (fiat on/off-ramp)

Status: Limited

T-Pay (sidebar T-Pay) lets you convert between fiat and stablecoins through Bridge.xyz, for example to fund a USDC/USDT payment or to cash out. Availability is limited, and a 1% developer fee applies to ramp transactions. See the T-Pay product page.

8. Token allocation & minting

Two settlement models exist depending on how the issuer configured the 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. As orders settle, tokens are transferred from custodian to investor.

If the offering requires an investment agreement, tokens are allocated only after the agreement is fully executed (see section 17).

Status progression: PENDING → PAYMENT_RECEIVED → SETTLED → MINTED (success path) or REJECTED / CANCELLED.

9. The portfolio dashboard

Portfolio shows holdings (every token, with quantity, cost basis, current NAV, unrealized P&L), allocation chart, top holdings, and period-return graph.

Click into any holding to see order history, cost basis breakdown, document vault, and voting history. Where the issuer has an open redemption window, a Redeem action appears on the holding (see section 18).

10. Dividends & coupons

The Dividends page lists all distributions across all your holdings. Cadence is set per-offering by the issuer (rent → monthly; equity → quarterly; debt → semi-annual or annual).

Behind the scenes: the issuer declares a distribution; a system snapshot calculates each investor’s pro-rata share; the platform pushes the on-chain payout in stablecoin (USDC/USDT on EVM; RLUSD/USDC on XRPL) to each investor wallet; you receive an email notice of the payout.

Dividend fee (0.5%, minimum USD 1, by default): it is deducted at payout, so your dividend is paid net of the fee and your notice shows gross, fee and net.

A full history (paid and pending) is shown in Dividends, with CSV export for your records.

11. Secondary market

Two secondary-market models exist in the product; only the P2P order book is live.

P2P order book

Status: Live on Base mainnet. Ethereum and Cardano mainnet are next.

As a seller: Go to your holding → Sell. Choose quantity and price. The platform creates a P2P listing with status ACTIVE; quantity is reserved off your balance until the listing fills or expires.

As a buyer: Browse listings on Secondary Market. Click Buy. A P2P order is created with status PENDING_PAYMENT and a 20-minute settlement window. Approve USDC if you haven’t already, sign Execute Trade. USDC is transferred (minus fees) from you to the seller; tokens are transferred (subject to all on-chain compliance checks) from the seller to you.

If you don’t complete payment within 20 minutes, the platform cancels your order and restores the seller’s listing.

Bonding curve DEX (B-DEX)

Status: Preview — not live

B-DEX is a bonding-curve exchange concept: price would be set by a formula that rises as tokens are bought and falls as they are sold. The in-app Convert screen is a preview only — no live trading happens there. See the B-DEX product page.

12. Voting & governance

If the issuer has enabled governance, you can vote from Voting in the sidebar (under Voting & Support). View open proposals (parameter changes, board elections, capital actions), cast a vote (one vote per token by default; weighted by class for multi-class equity), and see historical proposals and outcomes.

13. Transaction history & exports

Transactions shows every transaction across every holding: primary buys, secondary trades, dividend receipts, freeze/unfreeze events, force transfers (rare, with explicit notice). Export the full table as CSV from the toolbar.

14. Settings

• Profile & Account — name, country, contact details.
• Identity Verification — your KYC status and resubmission.
• AML & Risk Screening — your screening status.
• Signature — the signature specimen used on investment agreements.
• Security & MFA — password, authenticator app, backup codes.
• Wallet Management — connected self-custody wallets.
• Fiat Banking & Cards — bank details, cards and redemption payout accounts.
• Notifications & Alerts — channel preferences per event class.

The Custodian Wallet has its own page (sidebar Settings → Custodian Wallet) with your custodian wallets, saved withdrawal addresses and activity — see section 4.

15. Notifications you should expect

Event	When
Order created	After you submit a primary order
Order minted	When tokens land in your wallet
Order cancelled	If you or the issuer cancel
Order rejected	KYC / compliance fail (rare)
Wallet whitelist sent / approved / rejected	At each TA decision step
Dividend distributed	When a distribution lands in your wallet
P2P order created / payment confirmed / tokens released / cancelled / expired	At each P2P event
Withdrawal address added	Email with a link to revoke it

In-app notifications mirror these events through a notification bell with read/unread state, updated in real time.

16. Common issues

“My KYC has been pending for hours.” Check your email for SumSub follow-ups — they may have requested additional documents. If nothing, contact support.

“I sent the wire but the issuer hasn’t marked it received.” Most issuers process within one business day. After 48 hours, contact support with your wire reference number.

“My wallet won’t connect.” Check you’re on the network the offering uses (a mainnet such as Base or Ethereum for live offerings, not a testnet like Sepolia). Try a wallet reset (disconnect, refresh, reconnect). For hardware wallets, ensure the Ethereum app is open.

“I bought a P2P listing but the seller’s tokens never arrived.” The most likely cause is a compliance-module rejection (e.g. you live in a country the seller’s offering restricts). Contact support with the order ID.

“I want to invest more than the maximum investment.” Every offering sets a maximum investment per investor, and some apply a separate cap for accredited investors. Ask the issuer through its contact channel.

“I can’t withdraw to my new address.” Saved withdrawal addresses become usable 24 hours after you add them. Check the Withdrawal addresses view of your Custodian Wallet.

17. Signing investment agreements

Status: Live (per offering — the issuer decides whether an offering requires an agreement)

When an offering requires an investment agreement, the platform will not accept your order until the issuer has signed the offering’s master agreement, and your tokens are allocated only once your agreement is fully executed. The agreement is filled in from your verified profile (legal name, address, city, postal code, residence), the issuer and offering details, and your order amount and quantity.

How to sign:

1. Set up your signature specimen in Settings → Signature (draw, type or upload it). You can also do this when prompted during signing.
2. Review the agreement presented for your order.
3. Request a one-time code — it is sent to your verified email.
4. Enter the code to confirm. Your agreement is signed; the issuer’s side is countersigned automatically from the offering’s master signature.

Lifecycle: draft → pending_investor_signature → pending_issuer_signature → pending_payment → fully_executed → pending_token_allocation → completed (or cancelled / expired).

Your agreements and their audit trail. Open My Agreements (sidebar, under Compliance) to see every agreement you have signed, with its status and a download of the executed PDF. For each one you can open the Audit Trail, which shows:

• the signature record — timestamp, signer IP address, browser/device string, OTP verification time and a nonce;
• cryptographic proofs — SHA-256 of the agreement body, SHA-256 of the executed PDF, a certificate ID and a Libertum HMAC-SHA256 seal;
• an optional on-chain anchor (Base or Cardano) when enabled for the deployment.

Use Download executed PDF and Export audit JSON to keep your own copy.

What you can verify yourself: anyone can recompute the body and PDF hashes, and check an on-chain anchor transaction, independently and offline. The HMAC seal is keyed with a Libertum secret, so only Libertum can verify it; there is no public verification endpoint. (Smart-contract certificates are different: they can be verified publicly at /verify — see Compliance §11.)

18. Redemptions

Status: Live

Some offerings let you sell tokens back to the issuer during a redemption window that the issuer opens. A window can be a shared pool or a tranche; its status is DRAFT, OPEN, PAUSED, CLOSED or CANCELLED, and you can only request redemption while it is OPEN. The price is either fixed in advance or set when the issuer approves your request.

Redemption fee (1%, minimum USD 5, by default): it is deducted at payout, so your redemption is paid net of the fee and your notice shows gross, fee and net.

Before you request: add a payout account in Settings → Fiat Banking & Cards. Payout is made in stablecoin to your Custodian Wallet (RLUSD/USDC for XRPL offerings) or by manual fiat transfer, depending on the window. An issuer cannot approve a request that has nowhere to pay.

How to request:

1. Click Redeem on the holding in your Portfolio, or Request redemption in My Redemptions.
2. Choose the quantity and confirm.

Tracking. My Redemptions lists every request with a stage rail so you can see which step is done and which is pending:

REQUESTED → APPROVED → TOKEN_SUBMITTED → TOKEN_CONFIRMED → PAYOUT_SENT → COMPLETED — or REJECTED, CANCELLED, EXPIRED, FAILED.

Depending on the window, your tokens are either burned or returned to the issuer on-chain. While a request is still REQUESTED you can withdraw it.

19. Statements

Status: Limited (phase 1)

Statements & Tax (sidebar) shows a summary of your activity (amount invested, yield, trades, taxable events this year) and one transaction feed that combines your orders and dividends.

PDF statements and tax forms are not yet available. Libertum does not give tax advice — consult your own tax adviser.

20. Accreditation

Status: Live

Accreditation is optional. Apply if you qualify as an accredited investor and want to invest above an offering’s standard per-investor cap.

1. Open Accreditation, answer the questions and upload your evidence (PDF, PNG or JPEG). Your draft is saved as you go, and you can prepare it while your KYC is still in review.
2. Accept the declaration and submit. The platform you registered on reviews your application; Libertum can also review it.
3. The reviewer approves it (with an accreditation type and an expiry date), rejects it with a reason, or asks you for more information — you then update and resubmit.
4. An approved accreditation expires on its expiry date; you can apply again.

While your accreditation is approved and in date, you can invest up to an offering’s accredited-investor cap where the issuer has set one; an approval on any platform counts. Accreditation does not otherwise change which offerings you can see.

21. Joining via a Distribution Hub invitation

Status: Live

An issuer that uses the Distribution Hub can send you a personal registration link of the form /distribution-hub-investor/CODE.

1. Open the link the issuer shared with you.
2. Choose the Investor form or the Family Office form (the latter also asks for AUM, investment committee and preferred sectors).
3. Fill in your details and investment preferences, and submit.

You are added to that issuer’s Distribution Hub as a contact, so the issuer can follow up with relevant opportunities. This form does not create a T-Suite login: to invest you still register (section 1) and complete KYC (section 3).

22. Coming Soon listings

Status: Live

An issuer can publish an offering as Coming soon with a launch date. Instead of Subscribe, the offering page shows Register interest.

• Registering interest takes no amount, no payment and no commitment: it creates no order, no allocation and no place in a queue.
• You need an approved investor account to register.
• You can withdraw your interest from the same panel at any time.

At the launch time the offering becomes purchasable automatically, and you invest through the normal flow (section 6).

23. Investing in a fund

Some offerings are share classes of a fund run by a fund administrator in T-Suite Funds. On these offerings a banner explains that you subscribe and redeem through the fund, and orders are dealt at the next NAV rather than bought instantly.

• Subscribe from the fund panel on the offering page. You get a payment reference and How to pay instructions (bank details and, for USD classes, a USDC address), also by email. For a USD class you can pay from your Custodian Wallet’s USDC balance after entering a verification code. A payment is matched only when the exact amount arrives.
• Follow your orders, payment status and contract notes in My fund orders on your dashboard. You can cancel an order until the dealing cut-off.
• Redeem through the fund replaces Redeem and Sell for these holdings; redemptions may be scaled down by the fund’s gates.
• For closed-ended funds, My commitments shows your capital account, capital calls, distributions and notices.

See the Funds guide — Investors.