US-issued cards from 2.5% + US$0.30 per transaction; cards issued outside the US from 4.0% + US$0.30 per transaction; local payment methods from 1.2%; US$0 setup fee, US$0 annual fee, no minimum monthly billing.
Key features
Individual real estate loan selection with 10-18% target IRR
Auto Finance Portfolio with 13.6% target net IRR for accredited investors
Music Royalties Portfolio offering 7% fixed annualized return
Pre-IPO Stock Finance Portfolio with 15-18% target net IRR
Portfolio tracking and real-time performance monitoring
Automated monthly interest payments to investors
Mobile app for browsing and managing investments on the go
Global card acquiring with direct connection to major card networks
Support for 150+ local payment methods including UPI, Pix, MoMo, Alipay and WeChat
Subscription and recurring billing management
Mass payouts to 50+ markets with minimum fee of 0.1 USD
Multi-currency wallet and settlement
USD virtual card issuing for advertising and AI subscriptions
24/7 multilingual customer support
Local payment settlement as fast as T+1 in selected markets
What makes it different
100% repayment track record on real estate-backed notes since platform inception
First company qualified by SEC under Regulation A+ to open private real estate investing to non-accredited investors
Over 13 years of operating history managing real estate investments since 2013
Direct origination and underwriting rather than marketplace model
Verified residential collateral and first- or second-lien security on every loan
Local payment methods reach 90% coverage in target markets with localized interfaces
Dispute resolution 50% faster than traditional providers
Fee reduction of 30-50% through transparent pricing and volume-based rates
Capital efficiency improvement of 3-5x with fast local settlement
98% payout success rate with direct connection to local clearing systems
Groundfloor
HaiPay