Our Investor flow, for individuals

As we enter the final steps of our first tokenisation project, we are proud to be able to share the end-to-end process an individual investor will have to complete to invest in our tokens. 

Expect this process to take a few days, and you’ll need documentation to identify yourself and prove the source of your funds. If you qualify as a corporate investor this process is slightly different and a further post will be out shortly. 

The investment details web page with further information on our upcoming asset is locked, but will exist here. To stay up to date with investment launches, follow us on LinkedIn, Twitter, or sign up to our email mailing list.

Thanks for sticking with us, and we look forward to working with you.

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Step 1: Client categorisation

In compliance with DIRECTIVE 2014/65/EU, our first asset is only suitable for EU investors. It’s up to you as our potential client to declare this step. Our private investment detail web page won’t be accessible to anybody who has not agreed to this disclaimer. 

To agree to this disclaimer and to access our private investor web page, click here.

The information about our assets is provided for your general knowledge, not as investment advice. We do not engage in fundraising or soliciting investors. Agreeing to this is a simple press of a button, but we encourage you to read the terms. If you do not meet our criteria and make it further in the process, our agents will reject any attempt to pass Know Your Customer(KYC) checks.

Step 2: Click Qualify as Individual

If you wish to, you can explore the private investment detail web page for some technical overviews of our asset and background details. There is more thorough documentation available once you have qualified for our asset. 

At the top of the private investment detail web page is a blue button with text “Qualify as an Individual''. 

If you are an individual investor, this is the correct route for you. This button will direct you to our technical partner, Tokeny, an industry-leading tokenisation platform.

Step 3: Account creation with Tokeny

On the Tokeny platform you will be prompted to sign in or create an account. This platform will be where you can place buy and sell orders, visualise your assets with us and more, so it’s vital you have an account.

Step 4: Reverse-solicitation agreement & Initial KYC

The next stage on the Tokeny platform will be our reverse-solicitation agreement. 

As a legal requirement, we cannot solicit investors for these assets currently. As such, you must agree to our reverse-solicitation agreement to proceed through this step. 

The Tokeny platform will guide you though our initial KYC flow, this will involve your individual information and will require you to have a recognised ID, such as a passport, on hand. You will also be required to prove the source of funds.

Step 5: Wallet Connection

If you haven’t invested in digital assets before, this is our only step that you may not be familiar with. It's important that you educate yourselves on this step if it’s new to you. 

To quote Coinbase, one of the biggest cryptocurrency exchanges - “Crypto wallets keep your private keys – the passwords that give you access to your cryptocurrencies – safe and accessible, allowing you to send and receive cryptocurrencies”. Read more about that here.

You’ll need to set up a blockchain wallet compatible with Walletconnect. The simplest option is to set up a MetaMask wallet as it has a straightforward onboarding process. Shortly, we plan to add a custody solution to make this simpler.

Your wallet will be needed to leave a signature when you make a purchase, and it is where we will be sending your token. If you are comfortable, you may send your payments from this wallet and we may send redemptions there. But, if that sounds unfamiliar to you we can also complete these steps via bank transfer. 

At any stage, if an investor requires us to reclaim lost tokens, we are able to do so if you re-KYC a new wallet.

Step 6: Know Your Customer & Anti-Money Laundering checks

The next stage on the Tokeny platform will be facilitated by our technology partner, Onfido. 

Our automated identity solution handles all processing of personal documentation such as passports or ID cards. This step can be done on any computer with a camera attached, or on a mobile phone.

Agent Step - Approve KYC

Within 24 hours your KYC checks and application should be completed. You will shortly receive an email if your application has been accepted or rejected. The outcome of this will be sent to the email you registered to Tokeny with.

Step 7: Make a Buy Order

If you’ve been qualified, you can now log in to the Tokeny Investor platform. Here you will be presented our currently available assets, and can choose to invest in any of them. 

You set how many tokens you wish to buy, or may buy fractions of tokens at whatever amount you want as long as it’s above our minimum requirement. You will be given the option to send funds via bank transfer with a reference, or simply by sending funds to our Cryptocurrency Wallet, hosted by our secure partner, Copper.

Agent Step - Check Funds

Within 24 hours we confirm that you have sent your funds correctly, and may contact you if there are any problems. If a bank transfer, or wallet transfer matches up with yourself then we will begin the minting of your token. This token is made for you, and transferred to your wallet. 

If there are any problems here such as you losing access to your wallet you can reach out to us at hello@moreliquid.io and we can reclaim and redistribute your token pending further KYC checks.

Our agents also represent your purchase with our financial partner in Luxembourg, and issue any investor documentation formalising this legal tokenisation.

Step 8: Redemptions

There are a few different ways your journey with one of our tokens can end, a few are:

• The token matures - after a fixed period your investment and any interest is returned to your preferred payment method.
• The token pays out regularly - Some tokens pay a fixed, or variable amount every month.
• You sell your token - Some tokens can be sold to other buyers, or we buy them back as an exit option.

Hopefully all those options leave you as a happy customer of moreliquid, thank you for reading through this all and see you soon.