Goparity is an online investment platform connecting private and institutional investors with projects that are in line with the United Nations' Sustainable Development Goals (SDGs) . We operate based on a crowd-lending business model, – in which our community of investors pool their funds together in order to lend collectively to specific projects. Although the investors contribute to a pool of funds, they are each entering into an individual contract with the project promoter for the amount they have invested.investor you can lend money to project promoters in order to finance their projects, starting with as little as 5€ and as much as 24.999€. In return, you get a fixed interest return on your investment throughout the duration of the loan.project promoter, you can raise money through our platform to fund your sustainable project. Anyone from your community can support your cause by joining our community of investors.
If you wish to register with us, please follow the steps below: Click here e-mail address and set a password .- Choose the account type which is applicable to you (either personal or organizational account).- We are going to need the following details from you in order to verify your identity:Full Name Once you have completed your registration, you will receive a confirmation email that will contain a link to verify your account . After registering, you can top up your Goparity wallet with any amount from €5, either by card payment or bank transfer, using your personal Goparity IBAN (which is unique to your account). The next step is to decide which projects you would like to invest in, how much you would like to invest , and start changing the world.You can check the projects which are open for investment here page
How to have your identity validated quickly?
- Do not cut the corners: Make sure the 4 corners of the document are visible.Ensure that the name(s) and surname(s) are entered exactly as they appear on the identification document.Send a double-sided copy of your document: If the document has 2 sides, send us both of them (this includes your passport's blank page).Ensure that all information is readable, namely the MRZ band: make sure there are no blurs, flashes or fingers in the submitted copy.Identification card, passport or driver's license: These are the identification documents which we accept to validate your identity if you are a European citizen. For users from the UK, Canada and USA, we accept passports and driving licenses. All other users will need to submit their passports.JPG/JPEG/PNG/PDF . Files below 32 KB and over 7 MB are not accepted.in less than 2 hours you will receive an email confirming that your identity has been successfully validated and you will be ready to start investing!
Why do you need a picture of my ID card?
To complete your registration process, we will ask you for a copy of your identity document . This is part of our identity validation process (KYC - Know Your Customer).European Anti-money laundering and counter-terrorist financing policy and our Prevention of Money Laundering and Terrorist Financing Policy , we are required to verify your identity before you invest for the first time.Passport (only allowed for EU, UK, Canadian and US citizens)Driver's license (only allowed for EU, UK, Canadian and US citizens)24 and 48 hours to be completed. You can always check if your identity validation process has been completed when logging in, on your GoParity Dashboard, which you can access at the top-right corner of the dashboard page.
Why has the verification of my identity failed?
There are several reasons why your identity validation may have failed:Unreadable document: An integral part of the document is unreadable (dark or blurred document), the scan or image is of poor quality or the MRP band is partially or totally cut, or covered. Incomplete document : Part or all of the information is censored/cut from the document, the document has not been fully sent (missing pages), or the MRP band is partially/totally cut or masked.Document is not accepted : proof of identity is not accepted (for example, an identity card for a national of a country outside the EU).Document expired : proof of identity has passed the expiration date.Document belonging to a minor user : the user is a minor.Name(s) and surname(s) on the document do not match the ones on the profile : this happens when the name(s) you entered in the registration forms do not exactly match those in the submitted document. In this case, we will need to internally correct the information entered and, therefore, take more time to complete the validation process.the digital version of Portuguese citizen cards (Cartão do Cidadão) is not accepted as a valid ID proof, because our authentication tool cannot verify the authenticity of this document (no MRP band).
Crowdlending is the practice of collectively lending funds to a business through an online intermediary such as GoParity, which matches lenders with borrowers — bypassing banks and other financial institutions. This type of institutions operates with a low overhead when compared to traditional financial entities and does not charge heavy fees. P2B platforms also offer significantly higher returns on investments than traditional banks and are an attractive alternative (or additional form of diversification) to stocks, bonds, real estate, savings accounts, and other forms of securities and assets.
How do investments at Goparity work?
Any investor - either a private investor or an institution - can invest from 5€ in any of our projects open to funding , contributing towards the overall loan value.loan from an investor to a project promoter , with fixed interest rates, terms, and periodic payments.reached its financing goal (100% of the fundraiser). The campaign has reached its deadline (usually 1 month long). In this case, the promoter can decide to either carry out the project by funding the remainder of the campaign, or to cancel the campaign and refund the raised amount to the investors.three working days (on average) after the campaign has ended . At this point, the amount raised is made available to the promoter and the payments to the investors begin. If you would like to know how we calculate the periodic repayments , please visit this page are executed by Goparity on our platform . You can withdraw the funds available in your wallet at any time, by transferring them to a bank account outside of Goparity. You can use this Portuguese legal requirements regulating collaborative financing (crowd-lending), made available by the Portuguese Securities Market Commission (CMVM
Do I have to pay any fees?
Goparity does not charge any fees on your investments . The opening and topping up of your account - as well as the investment on projects and withdrawal of funds once the investment has been completed - are all free of charge . Nevertheless, in order for us to remain competitive, we have established the following charges which investors will incur under specific circumstances : withdraw your funds, without ever having invested the money : 1% on the funds withdrawn . withdraw your funds, the minimum value you can withdraw is 0.10€ .withdraw your funds , transferring these to a bank account outside of SEPA (Single Euro Payments Area): € 2.5 fixed charge.sell your investment on a given project through our Secondary Market: 1% on the capital owed . direct debits lower than 40€ on the GoParity Savings plan: 0,5€ . direct costs which we incur from our partner - MangoPay here
How do you measure a project’s risk?
Before launching any given project, we undertake a rigorous risk assessment in order to evaluate its financial viability (the promoter's and the project's) as well as it's technical viability , according to the following criteria:credit assessment team evaluates the financial conditions of the project through different financial tools, including an internal credit model that determines a risk rating and an interest rate.Statistical Credit Model : we give the project a quantitative grade on a scale that indicates the promoter’s default probability in the following 12 months . This information is outsourced to an external entity - Wiserfunding - which is accredited by the Bank of Portugal.Policy Criteria : We also assess whether a project or promoter is aligned with United Nations' Sustainable Development Goals (SDGs) and ensure the promoter has no outstanding issues with the Tax Authority, Social Security and Banking System . The promoter has, therefore, to submit formal financial reports for at least 1 full year, and prove that they are not defaulting on any financial obligation and that they have not been implicated in other judicial incidents .clear perspective on the promoter's financial position, allowing investors to make informed decisions . We assign the project a rating on a scale from A+ to D , where A+ represents the lowest risk and D the highest risk . The R rating represents project restructurings that imply an increase in the operation term of more than 12 months . This information is made available on each project's page.
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