How Fractio works
A single platform with two flows. Every step is enforced by the platform itself — from verification to refunds to withdrawals.
Investor journey
Every campaign in the marketplace has passed a 3-stage verification pipeline. No unvetted deals.
Add funds to your wallet and buy fractional shares — as little as $10 per ticket. A 2% platform fee is charged per investment.
Funds sit on the platform until the campaign hits its target and the founder's bank account is verified. If the deadline passes without the target being met, you're refunded automatically — the full amount, including the fee.
See every holding, ownership percentage, and distribution in your dashboard. Distributions from founders are paid pro-rata directly to your wallet.
Founder journey
Submit your company details, raise target, valuation, and equity offered. An admin reviews and either moves you forward or sends feedback.
Upload your incorporation documents, ID, and a voided cheque so we can verify the bank account you'll withdraw to. Each document is reviewed individually.
A last human review confirms everything is consistent before your campaign goes live in the marketplace.
Your campaign is public. Investors buy shares from $10. You can watch progress live and edit branding, but the financial terms are locked once you go live.
Once the campaign is funded, request a withdrawal. Funds are wired only to the bank account you verified in stage 2. There is no other payout path.
The rules we enforce for everyone
All-or-nothing
If the deadline arrives and the raise hasn't hit its target, the platform refunds every investor automatically. Founders receive nothing.
5% ownership cap
No single investor may hold more than 5% of any company. This is enforced by the invest transaction itself — the platform will reject an order that would cross the ceiling.
Pro-rata distributions
When founders return capital to shareholders, the platform splits it strictly by ownership. No manual math.
Everything is a ledger
Every wallet movement — deposit, investment, fee, refund, distribution — is a row you can inspect in your own wallet history.
Financial terms lock
Once a campaign goes live, its valuation, target, share price, and deadline are frozen. Founders can update branding, not economics.
Verified-bank withdrawals
Founders can only withdraw to the bank account whose voided cheque was approved during document review. That link can't be swapped later.
Ready when you are.
Read the risk disclosure first — startup investing is not for capital you cannot afford to lose.