A lower entry point
The minimum shown for an opportunity can be far below the cost of purchasing a whole property, but eligibility and asset limits still apply.
Private beta opening soon.Request early access
How it worksA building costs millions.
A building costs millions.
A share can start from ₦500,000.
What you buy, how it is recorded, and how cash reaches you. The asset documents always control.
Required before investingIdentity and eligibility
- 01
Open and verify your account
Your checks depend on your profile.
Create an account and complete the identity, sanctions and other compliance checks required for the features you use. An appointed provider may process identity documents and a liveness image. A flagged or incomplete check can require more information or prevent a transaction.
Required before investingIdentity and eligibility - 02
Read the opportunity properly
The documents matter more than the headline.
Review the asset, structure, valuation, cash-flow assumptions, fees, risks, target hold and available diligence material. The offering documents should identify the instrument you receive, the checks completed and any important limitation. Ask questions before committing money.
Read before confirmingTerms · Fees · Risks · Evidence - 03
Review the final transaction
Amount, currency, units and charges.
Fund your wallet, enter the amount and review the final currency, units, price and charges before confirmation. A quote can expire or change before completion, and funding or withdrawal may be subject to provider and compliance checks.
Confirm explicitlyPrice · Units · Currency · Fees - 04
Your entitlement is recorded
Legal and beneficial records are not always the same.
After a completed transaction, your portfolio records the instrument and units acquired. Where a nominee structure is used, the nominee may appear as the legal member while a separate beneficial ledger records your entitlement. The offering documents explain which records govern your rights.
Your evidenceConfirmation · Holding record · History - 05
Track cash and value separately
Neither is guaranteed.
The asset’s cash is reconciled after costs, reserves, taxes and applicable fees. Any authorised distribution is allocated under the offering documents on the disclosed schedule. A displayed valuation is only an estimate and may differ from the price achieved at an eventual exit.
ScheduleVaries by asset
The structure
Three things, one inside the other
This is the part most people skip and later wish they had not. Read it from the middle outwards.
- The underlying asset
The property
The offering documents identify the property, current ownership, acquisition or financing status, valuation, material encumbrances and the diligence completed.
- The legal vehicle
The asset-owning company
An approved offering may use a special-purpose company with its own registration, contracts, liabilities and records. Separation reduces some commingling risk; it does not make the asset liability-free or bankruptcy-proof.
- Your legal instrument
The rights in the offering documents
You acquire the shares or other instrument described for that asset. A nominee, trustee or custodian may hold legal title while a separate ledger records your beneficial entitlement.
What you get
Six things to expect
Documents in one place
Review the available terms, fees, risks, financial assumptions and diligence material before confirming.
A recorded history
Your portfolio shows completed holdings and transaction history, supported by auditable financial records.
Asset-specific payments
Any authorised distribution follows the asset documents and disclosed schedule. It may vary, be delayed or be nil.
More than one opportunity
Several holdings can reduce asset-specific concentration, although common market and currency risks remain.
Controlled withdrawals
Withdrawals use supported payout methods and remain subject to identity, security, provider and compliance checks.
Questions
Asked before funding an account
If something here is still unclear, that is our problem, not yours. Ask us and we will answer it plainly.
The legal instrument stated in the asset’s offering documents. Depending on the approved structure, it may be shares or another interest in an asset-owning company, potentially held through a nominee, trustee or custodian. You do not buy physical title to part of the building.
A property investment may produce distributable net rental cash and may gain or lose value before an eventual sale. Neither income nor appreciation is guaranteed, and a valuation is not an executable sale price.
A special-purpose company can separate an asset and its records from Shard’s general business. It still has its own contracts, taxes, liabilities, creditors and legal risks, so separation is not a guarantee against loss or delay.
The schedule varies by asset and is stated in its offering documents. A payment depends on cash actually received, reconciliation, costs, reserves, fees and authorisation. It may vary, be delayed or be nil.
The required work depends on the property, location, tenure and transaction. The offering documents should identify the title and encumbrance review, physical or technical assessment, valuation, seller or sponsor checks, cash-flow review, advisers and material limitations.