MetaWealth™ is a next generation investment platform open to everyone in the EU and Canada, bringing you assets that have traditionally been difficult to invest in or access. Through tokenisation of real estate assets, the process of splitting ownership into affordable fractions (Tokens), everyone can invest easily and safely on a secure platform. MetaWealth™ is building a community of informed investors; providing a platform to develop your financial knowledge and take ownership of your financial future.
MetaWealth™ has developed proprietary Patent Pending technology that utilises Web3 technology including blockchain to create digital infrastructure and services that are safe, secure and transparent. MetaWealth™ is available as an app on your smartphone. Browse, invest and earn returns on your investments with just a few clicks on your phone - no paperwork, no debt and no hassle. Learn more about What is MetaWealth
Who are the founders and owners of MetaWealth™?
The founders and owners of MetaWealth™ include two internationally experienced real estate investors and developers from Canada and the U.K. Investment experience of over 800 apartments and a full-cycle development track record of over 1,000 residential units in the past decade.
The real estate side is combined with two of the best and brightest web3 pioneers, leading a growing 12+ in-house team developing MetaWealth™’s proprietary asset infrastructure (blockchain, SmartContracts and DAOs) and asset services (AI&ML). You can find out more about the MetaWealth™ team from our Meet the Team page. About MetaWealth™ Investments
How do MetaWealth™ investments work?
What is Fractional Ownership and Tokenisation?
Fractional ownership and Tokenisation are two important and connected concepts that allow a new investment approach.
Fractionalisation is breaking something up into parts, in terms of real estate assets it refers to ownership. It allows many individuals to share the benefits of, and mitigate the risks of, ownership of a high-value tangible asset such as an office building. The units that reference fractional ownership of the assets are called Tokens, which are owned by the Token Holders.Real estate tokenisation is the process of fractionalising real estate into tokens that are stored on a decentralised database - blockchain. Tokenisation refers to the process where (a) a digital representation of a real estate asset is created on a blockchain (a decentralised database) and (b) fractionalised into Tokens. The blockchain authenticates transaction and ownership history.
What is the benefit of Real Estate Tokenisation?
1. Reduced transaction fees
2. Reduced transaction times 3. Increased market size and access 4. Increased liquidity - better pricing and market conditions 5. Reduced Risk 6.Increased Transparency and Security - blockchain BlackRock ($10 trillion AUM) CEO Larry Fink: "the next generation for markets, the next generation for securities, will be tokenization of securities.” ( 2022-12)
Is there any debt or leverage on MetaWealth™ real estate assets?
No, real estate assets on MetaWealth are 100% funded and 100% owned by the token holders (MetaWealth™ customers).Simple and safe. Learn more on the Learning Centre about debt and leverage.
How are MetaWealth™ real estate investments different from stock market investments?
Whilst Tokens and Shares represent a fraction or share of ownership they are distinct in a few key areas;
SHARESRepresent equity ownership in a company (A company is a legal entity of people formed around a specific objective but often with broad powers of decision to achieve that objective). Can be increased in number. Can be diluted in cases such as capital raises. Can differ in Class and benefits such as voting rights. A company may consist of assets as well as liabilities. Can use leverage (debt) to increase potential returns. TOKENSRepresent ownership in a specific asset (Administered by the rules under Smart Contracts and voting of Token Holders on a DAO) Have a specified and fixed number of Tokens per asset Cannot be diluted or diminished in number Have uniform, equal voting rights Without debt or liabilities Not allowed to use leverage Stock market investments offers investment exposure to a great variety of industries and risk-reward profiles. They can be interesting and very exciting. In the words of Adam Smith; "If you don't know who you are, the stock market is an expensive place to find out.” MetaWealth believes everyone should have access to simple, secure and transparent investments. Offering investments that target capital appreciation and passive income over a 5 year hold period. Simple vs Complex Our investment objectives and risk-reward profiles prioritise stable growth and income versus maximum potential returns. For this reasons the investments are limited in scope and less opportunistic compared to other investments. Real Assets + Real OwnershipAs interest rates increase some real estate portfolios are breaching their debt covenants - interest rates and debt payments overtake the rental yield and income. This can force difficult decisions like adding more capital or defaulting. To mitigate this risk MetaWealth is focused on Real Assets and Real Ownership - no debt. Transparency + Clear investment objectives The business land scape can be very dynamic and investors are often informed of events that affect the value of their investment after the event. MetaWealth aims for transparency and investment expectations through a simple investment objectives, asset management agreement and reporting process. Secure Verifiable underlying assets. European law. Added layer of Consumer Security Agent. Whilst no investment is without risk, the relative risk of real estate in a European capital city with no debt and a rental income is low.
How are MetaWealth™ investments different from a Real Estate Investment Trust (REIT)?
REITs, or real estate investment trusts, are companies that own or finance or operate income-producing real estate. The real estate investments are usually in a number of properties (portfolio) and can be in a range of property sectors from Class-A office buildings to Single-Family residential units.
They are usually categorised by three types of REITs; Equity, Mortgage or Hybrid REIT’s (Equity + Mortgage). The shares can be bought in one of three ways; Publicly Traded (more liquid), Non-Publicly Traded (less liquid) and Private REITs (institutional buyers). Typically offer good steady income but little in way of capital appreciation, operating more like a Mutual Fund, REIT’s are typically characterised as having: - No or low control over specific assets - No or low control over divestment decisions - No or low control over the asset management company (often the REIT itself) - No or low control over operational management - No or low control over debt decisions - Often high management fees with low correlation to market conditions or actual returns - Often high transaction costs - Returns and performance sensitive to credit markets and interest rates - Difficulty / transparency over value and price determination MetaWealth provides direct ownership without asset debt, transparency and representation. Becoming an investor
What paperwork do I need to invest in MetaWealth™ assets?
We have worked to create an onboarding process for MetaWealth™ customers that allows them to complete their profile within 15 minutes, free from the usual paperwork and hassle that a typical investment processes requires. This needs to be once when you set up your MetaWealth™ account on the app, documents can be easily uploaded via the app interface.
The documents you will need are a photo, a passport or driver’s license and a bank statement for the account you intend to use with MetaWealth™. Some investment profiles or thresholds may require additional documents. MetaWealth has partnered with Transak for identity verification. Documents are not sent to or stored by MetaWealth™.
AML stands for Anti-Money Laundering and KYC stands for Know Your Customer. These are regulatory requirements aimed at preventing financial crimes such as money laundering, terrorism financing and fraud.
As a condition for the participation in the MetaWealth™ platform and projects, prospective Token owners shall make available to the Issuer and the Security Agent all necessary information, identification data and documents required under any applicable KYC and AML/FT regulations. Information is submitted securely via App and usually processed within 5 minutes. In particular cases, the Issuer reserves the right to request additional data and information in respect of a particular Token owner, to ensure full compliance with all relevant KYC/AML obligations the Issuer may have under the relevant legislation. MetaWealth™ takes the security of your personal information seriously and have implemented strict measures to ensure the protection of your data.By completing the AML and KYC verification process, you can invest with confidence and peace of mind.
Is there a minimum or maximum amount that I can invest?
Real estate assets on the MetaWealth™ platform are fractionalised (divided) into tokens (shares), a token is typically $100 each depending on the asset. A building of $1,000,000 will therefore be made up of 10,000 tokens. One token ($100) is the minimum investment amount.
How does the rental income work for MetaWealth™ real estate assets?
The appointed Asset Management provider is responsible for the collection and distribution of net rents to the token holders. The responsibility is reflected in a contractual agreement available on the Investor Documents on the Asset Page and it is protected under law.
The rental disbursement happens quarterly: once every three months, the net rents are distributed to the token holders.
How can I know the MetaWealth™ assets are legitimate and valued correctly?
All real estate assets on the MetaWealth™ platform have passed a rigorous technical, legal and commercial assessment by industry experts. MetaWealth encourages investors to always do their own research, make their own verification and assessment. The advantage of real assets is that they are tangible and can be seen. Relevant documents are available under Investor Documents on the Asset Page. Public or state registers can also provide access to documents for real estate such as Title (ownership).
To make sure we are on the right track commercially, part of this process includes an independent valuation by an internationally renowned company such as Colliers International. The Valuations are available on the Asset Page. MetaWealth works hard to negotiate for you but don’t take our word for it. The first NCC+NL portfolio of 30 apartments received a Colliers International valuation 18% higher than the purchase price - giving you upside on day one.
Will I be required to invest further to maintain my ownership of assets?
No, once you invest in MetaWealth™ assets your holding and % ownership cannot be changed.
The number of tokens in an investment is fixed, you cannot be diluted. We carefully choose and prepare investments that require no additional capital requirements in the future and without any debt.
What protection is there on the real estate investment?
MetaWealth conducts risk assessment profiles on potential investments and applies a layered risk mitigation strategy such as:
- A comprehensive due diligence process with independent advisors. - Assets are held in a clean SPV (Special Purpose Vehicle). - Assets are 100% owned, have no debt - SPV protection - e.g. Articles of Association restrictions including no debt on assets and conditions for sale - Assets are mortgaged to the token holders, meaning that the assets cannot be sold or used as collateral without the majority approval of the token holders. - Appointment of independent Consumer Security Agent
What is a ‘Consumer Security Agent’?
The Consumer Security Agent is an added layer of protection for investors.
It is distinct and independent legal entity operating under EU law with the sole objective of protecting the interests of token holders. Overseen by independent European lawyers (Ionescu si Sava) who provide further checks and balances to ensure that: - Net rents are distributed by MetaWealth™ SPV 1 to the token holders (our customers); - Assets cannot be mortgaged or encumbered with debt; - Assets are protected and cannot be sold without the token holders’ approval; - Net proceeds from any token sale that takes place with the customers’ approval are distributed to the token holders; - Meta Wealth™ SPV 1 fulfil’s its obligations and were a material breach to occur, the Token Trustee entity will enforce your rights by taking over from MetaWealth™ SPV 1, proceed to sell the assets and distribute the net proceeds to the token holders.
What is the MetaWealth™ divestment (asset sale) process?
There is no minimum hold period for real estate tokens, other asset classes like digital art may vary. With real estate assets there are three main events for token sales:
Individual token sale - Individual token holders choose at any time to offer their tokens for sale to other token holders or new investors on the MetaWealth app secondary market. The offer price and quantity determined by the token holder. Full asset sale - The recommended Investment Hold Period of the real estate asset has been reached (e.g. 5 years) and token holders approve the sale of the asset - Token Holders vote to sell the asset prior to recommended Investment Hold Period The mechanism for selling the assets is in accordance with the DAO (Decentralised Autonomous Organisation) principles. Therefore, the assets can be sold only when the token holders vote to do so, according to the smart contract. The Consumer Security Agent monitors the DAO voting decisions and fulfilment by the Asset Manager. All the net proceeds from the sale of the assets go to the token holders. MetaWealth™ typically recommends an investment hold period of 5 years for real estate assets, so that customers can benefit not only from the rental yields (passive income) but also from asset appreciation. Investment Structure
Where is MetaWealth™ based?
MetaWealth™ is based and operates within the European Union, our head office is in Dublin, Ireland. Assets are owned and operated within their respective home country, under EU and local laws.
Is the MetaWealth™ process legal?
Yes, the MetaWealth™ process is legal. We have worked extensively with reputed advisors to ensure a compliant and secure platform under EU laws. On structure and compliance MetaWealth’s main legal counsel is
Ionescu & Sava, a legal firm with over 500 EMEA customers, including Mercedez-Benz Romania. Our legal advisors have been intricately involved in the advisory and formation of MetaWealth™ for its European investments, including in the regulatory and legal strategies as well as legal formation and tax issues. Ionescu & Sava guarantees that they have constant and open access to all the relevant documents from MetaWealth™, to its founders and its assets.
Are MetaWealth™ investments regulated?
MetaWealth™ is not offering financial instruments and is not therefore considered to be a regulated investment under the current European Union legislation. Our legal advisors actively assess and participate in the landscape to ensure ongoing compliance with EU regulations.
Who pays taxes on the assets I invest in with MetaWealth™?
MetaWealth™ is responsible for the collection and payment of all local operational taxes including the rents. These are reflected in the commercial agreements in place and that can be accessed in the Investment Documents on the Assets Page. There is no withholding or other tax.
Token holders are responsible for their own taxes where applicable; please check, declare and pay your taxes. Individual tax status will vary and be subject to factors including tax residency and nationality. MetaWealth™ recommends seeking professional tax advisory services suited to your individual use case. We are working to help connect you to local professional advisors in the near future.
Who manages the MetaWealth™ real estate assets after I invest in them?
An Asset Management service provider is responsible for ensuring properties are well maintained and well-rented. MetaWealth™ packages investments to be ready to earn from day one and this includes having an Asset Management agreement in place with an external provider at the time of the investment offering.
In the the event Asset Management providers are underperforming or not meeting contractual obligations investors can vote to choose a replacement. Becoming a MetaWealth™ Partner
I am a real estate developer or asset owner. How can I become a MetaWealth™ partner?
MetaWealth™ has created a proprietary (Patent Pending) platform for digitising real assets, centralising and connecting parts of the value chain to drive investment returns.
We have successfully worked on single chain steps such as improving an asset sale process, all the way up to digitalising assets with a partial exit to release equity. MetaWealth™ connects technology with capital to unlock potential. Onboarding real estate assets into the digital world and the MetaWealth™ app can unlock a number of advantages including: - Reduced transaction fees and closing period - Partial asset sale (equity release) or exit, including debt replacement - 3 stage digital Due Diligence process including Virtual Data Rooms - Verified transaction process status with independent partners - Access to investment platform and investor base - Management and support from experienced industry principles - Full suite services for asset optimisation and yield generation Please contact us at the Partners Page for more info and to see how we can help you.
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