From EUR 1,000. That is the minimum to enter as a participating bondholder, with an economic right registered in the Commercial Registry. From EUR 10,000 you access the mortgage bonds, with first-rank real collateral, and from EUR 100,000 the equity, as an owner shareholder of the asset's company. You do not need a large fortune to start building one.

To invest in real estate through Rentakia, EUR 1,000 is enough, compared with the thousands of euros of down payment and the mortgage required to buy a whole apartment. You invest in prime real estate projects backed by real collateral, without managing tenants or notaries, and you choose the product according to the amount and risk profile you are looking for.

Anyone of legal age can invest, resident in Spain or not, as well as legal entities. No prior experience or financial knowledge is required: the platform is designed as a step-by-step path, from the saver who enters from EUR 1,000 to the professional investor who accesses equity from EUR 100,000.

No. You invest in euros, by bank transfer, just like any other financial product. Blockchain technology works underneath to register your investment and give it traceability, but you do not need to know anything about it or buy any cryptocurrency to take part.

In four steps: you sign up with your email or phone in a minute, verify your identity, choose the project that fits your profile and invest by bank or wallet. From there you receive your returns, reinvest or sell your position whenever you need to.

Yes, you complete a simple identity verification before investing. It protects your account and records who holds each investment. Your data is treated confidentially and used only for the platform's operations.

You invest in real prime real estate projects, each one isolated in its own company (SPV) and backed by the asset. Depending on the product you are a creditor with collateral over the property or an owner shareholder of the company that owns it. Your investment is represented by a security token that registers your right.

Three, on a step-by-step path. Participating Bonds from EUR 1,000: ordinary creditor with an economic right registered in the Commercial Registry. Mortgage Bonds from EUR 10,000: preferred creditor with a first-rank mortgage. Equity from EUR 100,000: owner shareholder of the SPV. The higher the amount, the more access to the return path, with the same underlying protection.

Both exist, depending on the product. In the bonds (participating and mortgage) you are a creditor: you lend and have the right to be paid, with collateral over the asset and priority over the shareholders. In equity you are an owner: a shareholder of the company that owns the property. Creditor or owner, you choose.

An SPV is a company created for a single project, the owner of that property and nothing else. Each deal has its own to isolate the risk: whatever happens in one project does not affect the others or Rentakia. It is the same principle used by large institutional operators.

It is Rentakia's underlying difference. Rentakia's SPV buys the property, owns it and sets up the collateral in your favor. It is not pure intermediation: we do not connect you with an outside developer, we are the operator with skin in the game. That is why the collateral is real and not just a third party's promise.

In debt (the bonds) you lend money with collateral over the property and earn a return with priority over the shareholders: more protection, a capped return path. In equity you are an owner shareholder: you take on a bit more risk in exchange for an uncapped return path. Debt protects; equity multiplies.

It is the legal form you enter through at the start: you subscribe a participating loan from EUR 1,000, represented by a position token. When the SPV buys the property and registers the collateral, that loan converts by full right into your final bond. It is a loan whose remuneration is linked to how the project performs.

Every investment carries risk, but Rentakia's is backed by a real asset, not a promise. Behind every euro there is a prime property, a company that owns it and a guarantee registered in a public registry. In addition, each issuance is supervised by an investment firm (ESI) registered with the CNMV and the tokens are registered with an ERIR. The safety is in the structure, not in trust.

The property itself. In Mortgage Bonds, a first-rank mortgage registered in the Land Registry. In Participating Bonds, your economic right registered in the Commercial Registry. In equity, your status as an owner shareholder of the SPV. The guarantee is not insurance or an external surety: it is the asset.

It is the highest-priority guarantee that can exist over a property. It means that, if the guarantee has to be enforced, the mortgage bondholder is paid first, before any other creditor or shareholder. It is registered in the Land Registry in favor of the investors, so it is public and legally enforceable.

By priority, in this order: first the mortgage bondholders (first-rank guarantee), then the participating bondholders (economic right) and, last, the equity shareholders. Within each project, the liquidation always returns the capital before distributing any profit. The stronger the guarantee, the sooner you are paid.

Your position remains backed by the property. The guarantee stays registered until you recover your capital, and the project allows for an extension beyond the planned term. The estimated return is not guaranteed, but the real collateral and your payment priority are enforceable as long as the asset is still there.

Your investment is not on Rentakia's balance sheet, but in the SPV that owns the property, an independent company. The guarantee over the asset is registered in your favor in a public registry and survives Rentakia. That is why there is an SPV per project: so the asset and your right are isolated from whatever happens to the platform.

Loan to value is the ratio between what is lent and the value of the property. A low LTV means the asset is worth considerably more than the debt issued, which gives a margin of safety: even if the property sells below expectations, there is a cushion to return the bondholders' capital.

Yes. Rentakia operates in line with the Spanish and European regulatory framework. Each project is validated by an ESI (investment services firm) registered with the CNMV, and the security tokens are registered with an ERIR supervised by the CNMV. The oversight rests on independent, verifiable parties, not on Rentakia's word.

The CNMV (Spain's National Securities Market Commission) is the Spanish supervisor of investment markets. At Rentakia, the ESI that validates each issuance is registered with the CNMV, and the ERIR that registers the tokens is supervised by the CNMV. It is the seal that anchors regulation in something verifiable.

An ESI is an investment services firm authorized to operate in the securities markets. At Rentakia, the ESI Gabriel Carrillo Capel EAF (CNMV no. 147) supervises each issuance under Spain's Securities Markets and Investment Services Law (LMVSI, Law 6/2023). It validates that the project complies before it opens to investors.

The ERIR is the entity responsible for the entry and registration of securities represented by tokens. At Rentakia, that entity is URSUS CAPITAL AV, S.A., registered with the CNMV. It registers each security token, keeps an official record of who holds it and enables you to transfer it to third parties.

Under the Spanish and European framework applicable to transferable securities, mainly Spain's Securities Markets and Investment Services Law (LMVSI, Law 6/2023) and the Capital Companies Act. The guarantees are registered in the Land Registry or the Commercial Registry depending on the product.

No. Rentakia's security tokens are transferable securities, not crypto-assets, so they are governed by Spanish securities markets regulation (LMVSI, Law 6/2023), not by the MiCA regulation on crypto-assets. They represent your economic right over a real investment, with the regulatory backing of a financial instrument.

Real estate tokenization means representing the rights over a property through digital tokens registered on blockchain. It makes it possible to invest from low amounts, with full traceability and the ability to transfer your position. At Rentakia, the token does not replace the legal guarantee: it represents it and adds liquidity and transparency.

A real estate token, or security token, is the digital representation of a transferable security: in this case your economic right over a real estate investment. Unlike a cryptocurrency, it is backed by a real asset and officially registered with an ERIR supervised by the CNMV. Rentakia's logo sums it up: Real Estate Security Token.

No. It is not a cryptocurrency or a speculative asset. It is a security token that represents your right over an investment backed by real collateral, registered with a CNMV-supervised ERIR. Its value does not depend on the supply and demand of a crypto market, but on the property and the deal behind it.

The position token is technical and temporary: it represents your participating loan while the SPV has not yet bought the property, and it is not transferable. When the asset is bought and the guarantee is registered (the conversion milestone), it becomes a security token: your final bond, registered with the ERIR and transferable to third parties.

Three things: liquidity, because you can sell or pledge with your token without waiting for the project to end; traceability, because each operation is registered and verifiable; and transferability, because you can pass your position to another investor. The token is the efficiency layer, not a replacement for your rights.

EUR 100 is the nominal value of each token, the unit your investment is split into so it can be transferred easily. It is not the investment minimum: to invest you need from EUR 1,000. The nominal value only makes it easier to divide and sell your position in smaller parts.

On the bonds, an estimated IRR of between 10% and 14% per year depending on the amount and class, with payment priority. On equity, the return starts from a preferred minimum and has no ceiling, in exchange for a bit more risk. These are estimated figures, not guaranteed: the return depends on how each project sells.

The IRR (internal rate of return) is the annualized return of an investment taking into account when the money goes in and out. It lets you compare projects with different terms on equal footing. When we say a bond has an estimated IRR of 12%, we mean the equivalent annual yield of that investment.

It is the order in which what a project generates is distributed when it is sold. First, 100% of the invested capital is returned, then the minimum return of your class and, last, the surplus above that is split 50% between investors and Rentakia. No one is paid any profit before you recover your capital.

Yes. The return of capital is the first tranche of the liquidation, before paying any return or distributing surplus. It is the capital protection principle: profit is only distributed once investors have recovered what they put in.

You are paid when the project is sold and liquidated, usually within about twelve months, with a possible extension. You receive your return in your bank account or your wallet, you choose. You can also opt to reinvest your earnings in new projects to compound your return.

No. The return is estimated and depends on how each project sells, so it is not guaranteed. What is enforceable is the real collateral over the property and your payment priority: the capital and the guarantee are protected by the structure, the yield is a forecast.

Yes, in many cases. Because your investment is represented by a transferable token, you can sell your position to another investor without waiting for the project to be liquidated. It is one of the big advantages over traditional real estate, where selling an apartment can take months.

It means transferring your position to another investor in exchange for immediate liquidity. You transfer your right over the investment, registered with the ERIR, and another investor enters a project that is already underway. It is the way to exit before maturity without penalties or red tape.

It means using your tokens as collateral or guarantee to obtain financing, without having to sell them or depend on a bank score. You provide your bonds as backing and keep your investment. It is a way to obtain liquidity while keeping your position in the project.

Yes. Because they are registered with the ERIR, the security tokens are transferable to third parties, which enables a secondary market where you can sell your position or enter projects that are already complete. Technology makes possible the liquidity that classic real estate does not have.

Transferability is enabled, but selling on the secondary market requires another interested investor, so immediate liquidity is not guaranteed at all times. What is certain is that, at the project's maturity, the liquidation returns your capital according to the priority order. Technology makes liquidity easier; it does not impose it.

Like any investment, it carries risks: market (the property being worth less), execution (the project being delayed), liquidity (not finding a buyer before maturity) and regulatory risk. We mitigate them with rigorous selection, buying at a margin, an asset-isolated SPV, real collateral and registration of the tokens with the ERIR.

Yes. Any investment can produce losses, including the possible total or partial loss of capital. Rentakia's difference is that your investment is backed by real collateral over the property and by a payment priority, which reduces the exposure compared with an investment without a guarantee. Invest only what you can afford to risk.

With several layers: rigorous selection and buying the asset at a margin over its value, an independent SPV per project that isolates the risk, real collateral (first-rank mortgage or ownership), liquidation by tranches that returns the capital first, and registration of the tokens with an ERIR supervised by the CNMV.

That is why we buy at a margin: the asset is acquired below its market value, which creates a cushion. If the property sells for less than expected, that margin and the payment priority protect the bondholders first. Even so, a sharp drop in value can affect the return and even the capital.

Yes. Although the tokens are transferable, selling your position before maturity depends on there being a buyer, so there is a risk of temporary illiquidity. It is advisable to invest with a horizon matching the project's term and to view an early sale as an option, not a guarantee.

Whichever you prefer. You can invest and get paid by bank transfer in euros, without touching any technology, or through a wallet if you find it more convenient. The setup is designed so you choose the channel you feel safe with.

In euros (EUR) through the bank channel and, if you operate by wallet, also with stablecoins such as EURC or USDC. In all cases your investment and your return are calculated on the real value of the deal, not on the price of a cryptocurrency.

When the project is liquidated, you receive the return of your capital and your return in your bank account or your wallet, as you choose. You can also reinvest those earnings in new projects directly from the platform.

Broadly, bond returns are taxed as capital income and equity returns as dividends, within the savings base of personal income tax. We provide the documentation for your investment and for each return. This is informational and does not constitute tax advice: check your situation with your advisor.

No. The investment process is entirely digital: you do not need to visit a notary to invest. The registry entries that give the guarantee its validity are handled by the project's structure, not by you. You invest from the platform in a few minutes.

Yes, and they are set out transparently in each project before you invest. Transferring your position is designed to be quick and free of the red tape and costs of a traditional real estate sale. Always review the specific terms of each opportunity.

They are the two funding limits of a project. The soft cap is the minimum needed for the deal to go ahead; the hard cap is the maximum allowed. If the soft cap is reached, the project goes ahead; the hard cap prevents raising more than the deal needs.

If the funding does not reach the soft cap within the term, the deal is not carried out and the subscribed amounts are returned to investors. You do not take on the risk of a half-funded project: either it goes ahead in full, or you get your money back.

With a rigorous analysis of the asset and the deal: prime location, purchase price at a margin over the market, viability and guarantee structure. Only the project that passes that filter and that the CNMV-registered ESI validates before the issuance is opened to investors.

In prime real estate of many types, residential and commercial: from urban land, new-build developments or renovations, to retail premises, offices, industrial warehouses, parking, hospitality or residences. Each category has its own return logic, through capital gains on sale or through rental income during operation. You have it broken down on the Asset types page.

The typical term of a project is about twelve months, with the possibility of an additional extension if the sale is delayed. Each opportunity states its estimated term before you invest. If you need to exit earlier, you can sell or pledge your position on the secondary market.

That moment is the conversion milestone. When the SPV acquires the asset and registers the guarantee, your initial participating loan converts by full right into your final bond (mortgage or participating), represented by a transferable security token registered with the ERIR. From then on, your real collateral is formalized.

In that Rentakia is an operator, not an intermediary. In classic crowdfunding the platform connects investors with an outside developer; at Rentakia, the SPV buys the property, owns it and sets up the guarantee in your favor. That difference, the owner-issuer model, is what turns your investment into a position with real collateral and not a bet on a third party.

No. Rentakia is not a fund or a manager: it is an owner-issuer operator. The SPV buys each property, owns it and sets up real collateral in your favor, and you invest directly in that project as a creditor (bonds) or owner (equity), not in a blind portfolio managed by third parties. Each deal is independent and you choose which one to enter.

A team with a track record in real estate, investment and technology: Frank Navarrete (CEO), Alberto Muñoz (CIO), Víctor Pérez (CTO), Jaime Navarrete (COO), Matías Prats (Communication) and Rober Pantoja (Assets Advisor). The operation also relies on independent parties: the CNMV-registered ESI and the ERIR that registers the tokens.

Rentakia combines more than 30 years of accumulated experience in the real estate sector with its own technology model. It has projects already repaid to investors, such as Rentakia 03 in Miami Brickell, liquidated ahead of schedule and with a return above forecast. Past results do not guarantee future returns.

Rentakia is an investment platform that complies with regulation and lets you invest in prime real estate with real collateral and blockchain technology, from EUR 1,000, as a creditor or as an owner.

Rentakia Holding S.à r.l., the group's parent company, has its registered office at 70, Grand-Rue, L-1660 Luxembourg. You can write to info@rentakia.com for any query or to investors@rentakia.com for investment matters, and book a free, no-commitment consultation from the website.