This structured buy-back option provides flexibility for clients looking to exit their investments while ensuring a transparent and straightforward process.

Yes, there is a processing fee for buy-backs based on the holding period: Holding period of 3–5 years: 7.5% of the gross sale amount Holding period of over 5 years: 5% of the gross sale amount No buy-back fee applies if the holding period is under 3 years, as buy-back is not permitted.

Yes, RWA offers a buy-back option for clients who wish to sell all or part of their tokens/shares, provided they have held them for a minimum of three years.

To initiate a buy-back, you must provide RWA with three months’ written notice. This period begins once RWA receives an official acceptance to proceed with the sale from you, the seller.

You must hold your tokens/shares for at least three years to be eligible for the buy-back option.

Once a buy-back has been initiated, it can only be canceled with RWA’s consent.

RWA will confirm the buy-back date in writing once the request is received and approved.

In the event of a significant market downturn, economic crisis, or financial instability resulting in a drop of [e.g., 15% or more] in the valuation of the UK property market as determined by a recognised index (e.g., the UK House Price Index), the issuer reserves the right to defer the buyback option for a period of up to 12 months. This deferral is solely to protect the underlying asset value and ensure stable buyback terms for the investor. During any deferral period, the issuer will provide quarterly updates on market conditions and a clear timeline for reinstatement of the buyback option. During this period, investors will continue to receive any applicable returns on the investment until the buyback option is restored.

The commercial value of each individual investment proposition is determined using the CPI-linked annual rental income and the target yield percentage, currently 5%. The commercial value is split equally across the 100,000 micro shares to calculate the value of each micro share/digital token. Those purchasing shares/tokens are issued both a share certificate and the equivalent in digital tokens within their digital wallet, which they manage and control.

The platform allows users to purchase shares/tokens instantly, subject to KYC, using cash or cryptocurrency.

Those wishing to exit before the lease ends or before any sale can do so via the secondary market for shares/tokens or our buyback scheme, which can be triggered three years after the original purchase date of the shares/tokens.

Share/token holders will receive an assured 5% annual yield on their purchases, paid monthly into their wallets. Additionally, share token holders will receive an uplift at the point of sale, within or at the end of the lease period, based on the increased commercial value. This value will increase annually in line with lease rental income, which is CPI-linked, and/or the property value, which can triple over a typical 25-year lease.

FRI investment-grade leases, which range from 10 to 25 years in length, are issued to regulated Housing Associations or Care Providers with strong covenants. Rent-neutral leases do not charge additional fees for staff, office space, or common space, and as a result, the rental income can be 100% reclaimed from the central government via the Local Authorities.

Those who stake their shares/tokens within the unique liquidity pool can earn significantly more than the assured 5%. Since its conception on June 24, the RWA Liquidity pool has averaged 20% returns. Opting in and out of the pool is possible anytime for a cost of 1.5% per transaction. Interest is paid daily to the shareholder’s wallet. The liquidity pool was created specifically to stimulate market growth.

The underlying security is a combination of a future-proofed property suitable for a long-term FRI lease and provision for care delivery. Each property is held in a non-trading SPV to protect the asset from trading risks. Both the property title and lease are listed on the Land Registry.

RWA Technology Ltd - https://www.rwa-technology.com Created and operates the RWA platform, designed to educate and inform potential investors, showcase investment opportunities in a shopping cart-like fashion and facilitate fast and efficient purchasing of shares/tokens. Outsourced via a white label, the tokenisation component using Ethereum Blockchain via Block Square is the automated payment of interest to the share/ token holders’ wallets where they can manage their own investments. SAH Care Group https://www.sahpi.com Deemed one of the market leaders in the UK’s specialised housing market for providing care facilities via the lease model, SAH consists of a number of specialised entities in the care sector. Those entities identify and validate demand, provide solutions to that demand through future-proofed properties tailored to the specific care requirements, and facilitate the agreement of long-term FRI leases with suitable care providers. SAH makes those investment opportunities available to RWA through SPVs. SAH manages the collection of lease rents, provides supervision of the properties and lease tenants for the length of the lease, and manages any sale or refinancing of projects at the end of the leases. Investors They are custodians in charge of their own wallets, which contain their shares/tokens in digital form. Interest is paid automatically.

The ability to obtain long-term, secure passive income from fractional/micro share ownership via tokenisation of the economic rights of investment grade FRI leases, all designed to be rent neutral. Leases are issued to regulated Housing Associations or Care Providers within the UK, underpinned by the leased property asset, providing potential for an additional uplift from the increase in the underlying security's commercial and property values over the lease's length. Participating in the unique liquidity pool offering can also provide a further significant earnings uplift.

The lease includes the provision to change or replace tenants if they are deemed unsuitable for any reason. Given the £100B shortfall in care bed requirement, there is no shortage of suitable new care provider tenants. The underlying property and commercial project cannot be sold without repaying the micro share/token holders, and they are all protected by the tokenised smart contract and the micro share issue terms.

You will give up the guaranteed 5% return on the amount you have invested in exchange for the possibility of earning a much higher return from the pool. You can add or withdraw tokens from the pool anytime and return to the guaranteed 5% returns. Each addition or withdrawal will be subject to a 1.5% administrative fee based on the value of each transaction.

Our Tokens can be Staked in our private staking liquidity pool, and this is where you have the option to deposit some or all of your tokens into our pool to grow the ecosystem and are rewarded at a much higher rate in RWA tokens than the rent, which was due.

The RWA staking pool is on trend to mirror the returns of Oceanpoint. Please note that when additional tokens are staked in the pool, there is a temporary adjustment downwards. However, this quickly returns to an upward trend. The effect of this is diluted each time as the size and value of the liquidity pool grows, as it is all based on overall percentages.

For the life and length of the lease. The token gives access to the economic rights of the lease for the length of the lease. This is all underpinned by the property as an asset which cannot be sold without repaying the tokens. At the end of the lease, the project will either be refinanced or sold on to repay the tokens, or the token holders will be given the opportunity to participate in a new lease offering.

For the life and length of the lease. The token gives access to the economic rights of the lease for the length of the lease. This is all underpinned by the property as an asset which cannot be sold without repaying the tokens. At the end of the lease the project will either be refinanced or sold on to repay the tokens or the token holders given the opportunity to participate in a new lease offering.

Blockchain technology is an advanced database mechanism that allows transparent information sharing within a business network. A blockchain database stores data in blocks linked together in a chain. The data is chronologically consistent because you cannot delete or modify the chain without consensus from the network. As a result, you can use blockchain technology to create an unalterable or immutable ledger for tracking orders, payments, accounts, and other transactions. The system has built-in mechanisms that prevent unauthorised transaction entries and create consistency in the shared view of these transactions. Therefore, it is inherently safer and more secure than traditional methods.

Rental payments are automatically paid to your wallet on the 28th of each month. The first month’s rental will be proportional to when you purchased that token within the month. If your token is purchased after the 14th of the month, the proportional amount will be paid the following month. You have the choice at any time to take the monthly rent, store it, or take it in any proportion you choose.

The liquidity pool has been established to accelerate your return on investment. Any tokens you deposit in the pool will remain until the pool generates 150% interest on the initial staking of the project. At that point, we reserve the right to withdraw the asset from the liquidity pool. You will then have the option to either withdraw your interest or reinvest it into other ongoing projects to continue benefiting from the staking pool. We will automatically contact you to determine your preference. Your tokens will retain their value in the original project, and you will continue earning 5% interest for the remaining lease period, which typically lasts 20 years or more. This process promotes the pool's continuous growth while allowing you to keep earning more.

Your investment is split into the necessary RWA token equivalent. Initially, tokens will be shown in the currency of where the project is. I.e. if in the UK, it will be in GBP. If the project has a commercial value of £1m, each token will be worth £10. I.e. 100,000th of the commercial value. Whatever the original currency is, it is used to buy DAI, the Ethereum $ equivalent used to purchase the RWA token. I.e. at the point of writing this, the £-$ is 1.3, so your DAI / $ investment would be $1300. Your investment value is locked in at this value for the life of the project. You then have a choice of how much of your investment you wish to keep for assured rental income at 5% and how much you want to stake in the liquidity pool. If you leave 100% for assured rental income, the proportional rent is available to you monthly. If you choose to stake some or all in the liquidity pool, the following happens. If you choose to stake 100%, i.e. $1300, this is the value you earn interest from the liquidity pool. This interest is paid daily into your wallet in the form of BST. Based on the value of the BST on the day.

Whilst Full Repairing and Insuring (FRI) leases are not unique to the UK, they are more common and prominent in the UK commercial property market. An FRI lease is a type of lease in which the tenant is responsible for all repairs and maintenance of the property and for ensuring it. While this lease structure is popular in the UK, similar lease agreements exist under different names or slightly modified terms in other countries. For instance: In the US, similar structures are known as triple net leases (NNN), in which the tenant also covers maintenance, insurance, and property taxes. Other regions, like Australia and parts of Europe, may use comparable commercial lease agreements, though they might not label them specifically as FRI leases. Therefore, while FRI leases are a vital feature of the UK commercial real estate market, the concept exists globally in various forms.

No, crowdfunding is a method of raising funds collectively to purchase an asset; all of our assets are already under full ownership, fully developed, income-producing, and leased to Housing Associations on long-term commercial contracts, so you are purchasing a direct share of the income derived from the lease on a fully operational asset. 

There are three key factors that impact this, the growth value of assets staked, the number of BST injected into the pool and the value of BST.

After you purchase, you will be assigned a dedicated account manager who will assist you in all aspects of your token, including enhanced income staking. You will also have access to our dedicated buyers’ support and chat community group. Your tokens will be held transparently within your wallet, and transactions such as paying your portion of rent will happen automatically.

Your tokens are digital shares which are registered on the Ethereum blockchain to prove token ownership of the asset and are immutable. Furthermore, all our assets are held in individual physical SPV UK companies registered on the UK Land register, and a corporate resolution is passed over each asset, giving the token holders economic rights over the asset, which grants them a share of the income and a share of the asset profit uplift if the asset is ever sold. The property asset is separate from the lease and is not trading, so it remains in place unfettered for the life of the project. If historical trends are to be replicated, it is likely to triple in value during the life of the lease. We also have the option to replace the tenant at any time during the lease if we deem them underperforming. There is no shortage of replacement tenants in this sector.

Tokenization adoption has been implemented by all the world's largest institutions as the next generation for markets; notable leaders in the industry are Blackrock, HSBC, JP Morgan and Goldman Sachs, to name a few.

Investing in tokenized FRI real estate assets offers several benefits, including lower associated purchase costs, lower barrier to entry, enhanced income, zero voids, zero maintenance, long-term secured contracts, inflation-protected income and exposure to the fastest-growing industry on the Blockchain.

Yes, tokenisation allows investors from all over the world to invest securely in the UK without the barriers of traditional purchases.

All our leases are designed to be rent-neutral, so each Local Authority commissioning the care can claim 100% of payments from the central government. The central government has never defaulted, even if a local authority has been placed in special measures. The lease is a regulated FRI Social Housing Lease, which means no voids, repair or maintenance liability, or missed payments.

Tokenized real estate assets refer to fractional ownership of real estate represented by digital tokens on a blockchain held under a smart contract. These tokens give investors ownership of a portion of the underlying real estate at a fraction of the cost. In addition, these tokens can be traded and staked for enhanced income.

Liquidity pools are a huge part of the decentralised finance (DeFi) system. In simple terms, a liquidity pool is a store of cryptocurrency locked into one place. This is to create liquidity and ensure that transactions are kept relatively smooth. Liquidity providers can be anyone, and in DeFi liquidity pools, liquidity providers can contribute in small or large amounts. Liquidity is created in the crypto market in multiple ways. A market maker is the most common source of liquidity that works with exchanges, which stand ready to buy and sell crypto assets at any price.

We also offer a fully account-managed service, where we manage all the purchasing and staking on your behalf and provide you with monthly reports and quarterly returns and exposure to the RWA Industry completely hands-off. We can also provide you with your own dashboard if you wish to monitor it in real time.

Yes, however, to withdraw the interest, you must withdraw the complete stake and the full amount of interest. There is an administration charge of 1.5% of the staked amount. Which will be taken from the staked amount. i.e. if $100 is earned in interest, the payout would be $1300 less 1.5% ($19.5) = $1280.5 + $100 = $1380.5 You can then re-stake if you wish the original $1300 at a cost of 1.5% ($19.5 ), and the staking interest starts to accrue again.

A smart contract is a self-executing program that automates the actions required in a blockchain transaction. Once completed, the transactions are trackable and irreversible. The best way to envision a smart contract is to think of a vending machine—when you insert the correct amount of money and push an item's button, the program (the smart contract) activates the machine to dispense your chosen item. Smart contracts permit trusted transactions and agreements to be carried out among disparate, anonymous parties without the need for a central authority, legal system, or external enforcement mechanism.

You may sell all or some of your tokens through a peer-to-peer transaction. Our Marketplace platform facilitates selling your tokens in a secondary market, which places the tokens you want to sell on a listing for other members to purchase. There is a 1.5% transaction fee per sale, which is generally more than covered by the uplift value of the token.

Dont worry; we can handle all or part of it for you. Our goal is to enable as many people as possible to participate and benefit from the opportunity to earn based on their individual budgets. Simply get in touch with us and an account manager will reach out to you.

Social impact investing is a type of investing that aims to generate both financial returns and positive social or environmental outcomes. We partner with reputable social housing providers to support and home, vulnerable individuals in the UK.

By Investing in FRI Property, you are directly helping to home and care for some of the most vulnerable members of society, including children care, elderly care and people with mental and physical disabilities.

This is a regulated commercial lease taken by housing associations over our developments to run and manage specialised care facilities for vulnerable members of society in conjunction with UK local authorities typically the lease is for 20 to 25 years and purchases of this asset class are usually reserved for pension funds and financial institutions REITS due to the high minimum investment levels of purchase.

Your investment is CPI-linked with a cap of 5%, which means you are generally protected against inflation for the full duration of the contract. The CPI is upward only, meaning if the CPI reduces, it will not affect your investment; CPI-linked contracts make it easier to predict future rent rises based on economic situations, giving greater predictability to your investment.

All our leases are rent-neutral, and as such, each Local Authority commissioning the care can claim 100% from the central government. The central government has never defaulted, even if a Local Authority is placed in special measures. The lease is a regulated FRI Social Housing Lease, which means no voids, no repair or maintenance liability, and no missed payments.