How money, title and tokens actually move

Identity, address, suitability and source of funds: KYC/AML and accreditation checks calibrated to your jurisdiction. The result unlocks every offering on the platform and is refreshed every two years, not per investment.

You subscribe and transfer via remittance rails, correspondent banking, or local payment rails — bank, mobile money or USDC depending on your track. Your money lands in a trustee-controlled escrow account at a licensed Ghanaian bank, not with BAT.

The custodian bank holds subscriptions while the raise completes and, through the SPV/trust structure built before any offering opens, the underlying asset title. Long before the raise, the title was searched, registered and moved into its own single-purpose company, with an independent trustee holding the share register. If a round misses its minimum, escrow returns every subscription in full.

On the closing date the register is written and tokens mint to your account. Each token is one share in the SPV, with eligibility, lock-up and per-investor caps compiled into the contract — an ineligible transfer fails at the protocol level rather than being unwound afterwards. You become a shareholder of record, in a registry you can inspect.

The property manager reports collections, the reserve test runs, fees and withholding are applied, and the balance is paid to your bank account or wallet with a statement showing every line — quarterly, through the same rails your money came in on.