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For investors

Subscribe digitally.
In euro. Regulated.

Direct investment in tokenised securities, no bank, no wallet, no crypto know-how. Subscription, payment and reporting in euro.

What you get

Why investors subscribe digitally.

Access & cost

Subscribe directly with the issuer, without minimum-ticket barriers.

Direct investment, no bank

Subscribe directly with the issuer, no intermediary commissions, no custody fees.

Low minimum tickets

Tokenisation allows fractional units. Investments from small denominations become possible.

How it works

Six steps. From offer to repayment.

01

Review offer

On the issuer's platform you find subscription documents, risk disclosures and terms, complete and traceable.

Read the subscription documents carefully. Questions? Direct line to the issuer.

02

Onboarding & KYC

Identity check and appropriateness digitally, video ident in a few minutes, one-off.

Afterwards you can subscribe across all heartstocks platforms without repeating KYC.

03

Subscribe & pay in euro

Subscribe digitally, pay by SEPA transfer in euro. No wallet, no cryptocurrency.

A one-off transaction fee of 1% is borne by the investor.

04

Holding in the register

Your holding is automatically booked in the eWpG register and visible in the investor dashboard, always.

Custody runs through regulated custodians; the register is protected against third-party insolvency.

05

Interest & distributions

During the term you receive automated payments in euro to your account.

Reports, tax documents and confirmations are always available in the dashboard.

06

Repayment or transfer

At maturity you receive the repayment. For transfers, the change of holder runs in a controlled way through the register.

Transfers require KYC on the acquirer's side and are documented in the register.

Risks & protection

Clearly named. Clearly secured.

Risks

What you must know

Issuer risk

In case of issuer insolvency, partial or total loss is possible. Check creditworthiness and business model.

Market risk

Fluctuating value development, particularly with equity-like structures.

Liquidity risk

There is no guaranteed secondary market. Early sale is not always possible.

Protection

What protects you

eWpG register

Holdings are kept in the regulated electronic-securities register, separate from third-party assets.

Regulated partner structure

heartstocks acts as a tied agent of CONCEDUS GmbH and has been notified to BaFin as such.

Regulated custody

Crypto custody via licensed custodians (BaFin permit). Key management to industry standard.

Documentation

One document for each step.

Subscription documents

The product-specific documents for subscription, complete and traceable.

Subscription form

Your subscription contract.

Risk disclosures

Complete, unambiguous disclosure.

Reporting

Periodic reporting, in the dashboard.

Tax certificate

Annually, generated automatically.

Frequent questions

Clear answers.

No. Payment is by SEPA transfer in euro. Tokens are held for you by a regulated custodian, you see your holding in the dashboard.
Depends on the product, not the vehicle. Fractional units are possible, the denomination is set out in the subscription documents of each asset.
A secondary market exists, but transferability is not guaranteed; every sale is matched with a buyer. Transferability yes, liquid secondary market no.
Custody runs via BaFin-licensed crypto custodians. Holdings are documented in the register and ring-fenced from third-party assets.
Tax treatment depends on the vehicle and your personal situation. You receive an annual tax certificate automatically. Tax advice is not part of the platform.
Product questions: directly to the issuer. Platform or onboarding questions: to heartstocks support. Both contacts are in the investor dashboard.
Next step

Discover our investment offers.

Live projects and pipeline at a glance, regulated, subscribable in euro.