Platform of Investment and Financial Instruments

1. Dividend Instruments: Investments are made in operating businesses with high liquidity, such as a car purchase, rental, and sales fund, a crypto mining fund, real estate management in the UAE, a stock trading fund, and TRX staking. Investors receive regular dividend payments with a frequency starting from one week.
2. Venture Investments: Over-the-counter deals in Pre-IPO and startups provide an opportunity to invest in companies at early stages of their development — before they go public. It is also possible to participate in initial public offerings (IPO), allowing investors to acquire shares of companies at the start of their trading on the stock exchange.

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.

1. USDT: This method is generally the fastest — funds can be transferred within 24 hours after submitting a withdrawal request, excluding weekends and public holidays. The maximum processing time is up to 3 business days.
2. SWIFT-transfer in USD: Suitable for clients who deposited funds using the same method. Processing times may vary but typically take up to 10 business days, depending on the bank and the recipient’s country.

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 investment order is executed, the user receives an investment certificate.

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.