Platform of Investment and Financial Instruments

Regloth offer a wide range of investment opportunities, including:

1. Pre-IPO and Angel Round: Over-the-counter deals and venture investments that provide the opportunity to invest in companies at early stages of their development before they go public.
2. Commodity Fund: Trading in commodity groups allowing participation in deals with commodity assets.
3. IPO: Participation in the initial public offering of shares, giving the opportunity to purchase shares of companies at the start of their trading on the stock exchange.
4. Real Estate: Investments in real estate, including construction in Thailand, UAE, and the USA, as well as real estate funds.
5. Stock Market Fund: Trading in shares through funds that operate both on the rise and fall of stock prices (long/short fund).
6. Crypto Token: Crypto assets and crypto funds offering investments in digital currencies and related products.

There are 7 criteria for selecting venture deals for Angel Round and Pre-IPO at early and late stages:

1. First, we look for B-round companies. This reduces the possible time to IPO.
2. We do not consider companies whose financing round was valued lower than the previous round.
3. We require companies to have a capitalisation growth rate of at least 0.8% per week. The higher, the better, but 0.8% is the minimum.
4. We investigate companies that have already been invested in by 10 or more venture funds and try to identify at least two well-known venture funds. Then we analyse the statistics of these funds related to taking companies public, their exit times, and the results they achieved. There should be at least two such funds.
5. We study the company and, in most cases, try to engage with it to see if the product works. We typically look for market leaders with large clients. Good examples are Instacart and BitPay, both of which we assessed against our criteria. The Instacart service was not userfriendly, whilst BitPay, amongst other things, was very user-friendly and trustworthy. We chose BitPay after checking the company met the necessary criteria.
6. Our business sectors should become key trends of the year. This includes, cryptocurrency, artificial intelligence, energy, software, automation, robots, etc. Underwriters aggressively conduct IPOs for companies these sectors in quick succession. For example, in 2021, pharmaceutical companies specializing in the treatment of Alzheimer's disease conducted 6 IPO deals. Since then, there have been less IPOs in this sector, signalling the end of this trend. With this in mind, we are assessing the current themes for 2023-2024 and focus on these. For example, crypto lending - ABRA, and SaaS - Dataminer, as well as crypto acquiring and storage - BitPay.
7. Then we ask our brokers in the USA to show us deals based on this selection process. They will either offer us possible deals, or we will ask them to find free shares of the companies that we are interested in. It can work both ways. If a company's fundraising goals are already met, and there are no shares, our broker will show us their main competitor. This starts the process of searching for shares and negotiating with sellers. Sellers are mainly employees who have worked in these companies for many years and want to buy a house or leave the company. They have an option that we will buy out.

Each potential deal undergoes an assessment by Regolith analysts to determine its potential. This is followed by a rigorous legal review to ensure its security. Only after these stages does Regolith decide to participate in a particular deal.

The following options are available for withdrawing free funds from a Regolith account to a client's personal account:

1. Cryptocurrency: Funds can be withdrawn by sending cryptocurrency. This method is usually the fastest, and funds can be transferred within 24 hours after submitting a request, excluding weekends and holidays.


2. SWIFT transfer in USD: This method is suitable for those who deposited funds in the same way. The transfer time can vary but usually takes up to 5 business days, depending on the bank and the recipient's country.


3. Apple Pay/Google Pay:
   Depending on whether the user’s device is compatible with Apple Pay or Google Pay, Regolith supports withdrawal through both of these payment systems. The process can take from a few minutes to 24 hours, the exact withdrawal time depends on the user’s device.


4. VISA/MasterCard: Regolith supports direct withdrawal to bank cards, depending on the user’s bank. The withdrawal time can range from 1 to 5 business days, depending on the policy of the specific bank issuing the card.


5. ACH transfers: For clients in the USA, ACH transfers can be used for fund withdrawal. These transfers usually take from 3 to 5 business days.

It is important to consider that the withdrawal time may vary depending on the workload of Regolith's financial system at the time of withdrawal, as well as the specific conditions for processing payments by banks and payment systems. It is always recommended to familiarise yourself with the withdrawal conditions and possible fees for operations in advance

For Regolith clients from certain countries, there are restrictions on funding. By default, direct investments from individuals from the following jurisdictions are not accepted: Japan, the United Kingdom, Australia, Canada, and the USA. The legislation of these countries prohibits citizens from directly investing in foreign projects, investment is possible only through specialised agents.

Here is a detailed explanation of the process of making a deal and of monitoring it on your investment marketplace:

1. Registration on the platform:
   - The user registers on the site by creating an account.
2. Passing KYC (Know Your Customer):
   - After registration, the user undergoes the KYC procedure by providing the necessary documents for verification.
3. Account deposit:
   - The user deposits into their account on the platform through various payment methods (e.g. bank transfer, credit/debit cards, electronic payment systems, cryptocurrency).
4. Choosing a deal:
   - The user goes to the Marketplace section on the site and selects the deal that interests them.
   - The user then studies all the available information about the selected deal on its page.
5. Investing:
   - If there are sufficient funds in the account, the user enters no less than the necessary amount of investment and clicks the "Invest" button.
6. Deal verification:
   - Within five working days, the platform checks the deal for compliance with the specified conditions.
   - After the check, the user receives an email with confirmation of the deal and documents.
7. Receiving a certificate:
   - After the successful completion of the deal (status '......'), the user receives a certificate of investment.
8. Monitoring the deal:
   - The user can track the status and details of the deal on the deal page or in the personal account section on the site.
9. Deal conditions:
   - The user can familiarise themself with the documents, conditions of payments, accruals, and possibilities of exiting deals on each specific deal’s page.
   This process is described to make the path of investing on the platform clear and transparent for users, reducing the number of questions and possible misunderstandings.

Regolith maintains accounts with brokerage firms that are members of the NYSE, FINRA, and SIPC and are regulated by the U.S. Securities and Exchange Commission and the U.S. Commodity Futures Trading Commission. SIPC partially protects our structure from the loss of funds and securities such as stocks and bonds belonging to SIPC members experiencing financial difficulties. This organisation serves as an analogue of the FDIC and insures the assets of clients on brokerage accounts in case of bankruptcy. SIPC protection provides brokerage clients with insurance coverage of up to $500,000, with a limit of $250,000 per account. When a brokerage firm closes due to bankruptcy or other financial difficulties and client assets are missing, SIPC intervenes as quickly as possible and within certain limits works to return funds, stocks, and other securities of clients, as well as other client assets. With the help of SIPC, investors of brokerage companies experiencing financial difficulties (according to analysts' estimates, no less than 99%) receive back their investments from SIPC. From its creation by Congress in 1970 up until December 2020, SIPC helped return assets totaling $1.418 billion to approximately 773,000 investors.

Countries whose legal systems are based on English common law have the "strongest protection of external investors." The National Security and Investment (NSI) Act empowers the government to thoroughly review and intervene in business operations such as mergers and acquisitions to protect national security, while providing businesses and investors with the confidence and transparency needed to conduct business.

Regolith is also subject to regulation by the FSA as a financial regulator. It is responsible for monitoring the activities of registered companies. Companies are required to have insurance coverage for their financial activities and undergo mandatory government inspection every 12-18 months.