Our Partner Model
BondBricks is built as a marketplace platform designed to operate with licensed financial institutions in each jurisdiction. Regulated activities — bond issuance, fund custody, and payment processing — sit with licensed partners, not with BondBricks.
Partner appointments: Our issuing-house and trustee partners will be named, together with their license details, before any offering opens to investors. Until then, no bond offering is live on the platform. Identity verification (Sumsub) and payment infrastructure (Stripe) are already integrated.
Why the Platform Is Structured Around Licensed Institutions
BondBricks is a middle-platform marketplace connecting investors with licensed financial partners. The platform is designed so that BondBricks does not hold investor funds, issue bonds, or act as trustee.
- Bond Structuring: Issuing-house partners create and manage the actual real estate bonds
- Fund Custody: Trustee partners legally hold and protect investor funds
- Identity Verification: KYC providers verify that all users meet regulatory requirements in your jurisdiction
- Payment Processing: Regulated payment partners handle all money movement
The Four Partner Roles
Who does what in the BondBricks ecosystem
Bond Issuance & Structuring
Licensed issuing partner
A licensed investment institution responsible for real estate bond issuance, structuring, and debt capital markets.
Appointment to be announcedTrustee & Custodian Services
Independent licensed trustee
An independent licensed trustee holding investor funds in trust, legally separate from BondBricks and the issuing partner.
Appointment to be announcedSumsub
Identity & Compliance Verification
Identity verification provider offering KYC, KYB, AML, and sanctions screening services, integrated into the platform today.
IntegratedStripe
Payment & Banking Infrastructure
Payment processing and settlement infrastructure handling transaction flows, integrated into the platform today.
IntegratedPartner Categories
Understanding the role of each partner type in the ecosystem
Issuing Houses & Investment Banks
Licensed investment institutions that structure and issue real estate-backed bonds. They conduct due diligence on property projects, create bond documentation, set terms (interest rates, maturity dates, security), and ensure compliance with securities regulations in your jurisdiction.
Trustee & Custodian Services
Licensed trustee companies that legally hold investor funds in trust structures, ensuring capital is segregated from company assets. Trustees act as an independent party protecting investor interests, managing fund distributions, and ensuring compliance with trust deed terms.
Identity & Compliance Verification
KYC/KYB (Know Your Customer/Business) providers verify investor identities, screen against sanctions lists, check for PEP (Politically Exposed Persons) status, and support Anti-Money Laundering (AML) compliance in accordance with regulations in your jurisdiction.
Payment & Banking Infrastructure
Payment processors handle money movement including investor deposits, interest distributions, and redemptions, providing secure banking rails and settlement.
Fee Transparency
BondBricks charges the platform fees below. Any fees charged by the appointed issuing partner or trustee are set by those partners and disclosed in each offering's documents before you invest.
BondBricks Fees — Investors
- Transaction Fee:1.75% per transaction
- Card Processing Surcharge:2.9% + $0.30 of the total charged (card payments)
- Early Redemption Fee:2% (within 90 days)
All fees are shown before you confirm any transaction.
BondBricks Fees — Developers
- Listing Fee:$5,000 - $35,000 (by raise size)
- Success Fee:1% of capital raised
Platform fees cover technology, marketing, and investor acquisition
How the Trust Structure Protects You
A common question is: "What happens if a partner leaves the platform?" Here's how the structure is designed to protect investors:
Independent Trustees
Investor funds are held by a licensed trustee, legally separate from both BondBricks and the issuing partner. If a partner exits, the trustee continues administering existing bonds under their original terms.
Replaceable Partners
The platform is designed so partners can be replaced without changing the terms of existing bonds. Any partner transition would be managed with the trustee to avoid disruption to investors.
Clear Communication
You'll be notified of any partner change, with full details of what it means for your investment.
Frequently Asked Questions
Q: What happens if a licensed partner institution goes out of business?
A: The trust structure is designed so investor funds are held by an independent trustee, not by the partner, and remain legally separate from the partner's business. A replacement licensed partner would be arranged and your bond terms would stay the same. Like any investment, bonds still carry risk — see the risk disclosure for each offering.
Q: Will I lose money if a partner exits the platform?
A: A partner exit does not itself change your bond terms: bonds are legally separate from the partner's operations and continue to be administered by the trustee. Your investment remains exposed to the usual bond risks (issuer default, property performance), which are unrelated to a platform partner change.
Q: What if BondBricks itself goes out of business?
A: Bonds are designed to be held by licensed trustees with a legal fiduciary duty to continue managing them according to their original terms, independent of BondBricks.
Q: Do I need to take any action if a partner changes?
A: No action is required from you. You'll receive notifications keeping you informed; the trustee structure is designed to allow partner transitions without investor action.
Key principle: The trustee structure is specifically designed to protect you from partner-related risks. Think of it like owning a house managed by a property management company — if the management company changes, you still own the house. Similarly, the trustee holds your bond regardless of which partner administers it. This protects against partner changes; it does not remove investment risk.
Regulatory Compliance
Regional Regulation
BondBricks is a technology platform, not a licensed financial services provider. Bonds are issued by licensed partner institutions and investor funds are held by independent regulated trustees. Bond issuance and custody are structured to be handled by licensed partner institutions and independent trustees, each authorized in the jurisdictions where they operate.
AML/CTF Compliance
Our KYC provider supports Anti-Money Laundering and Counter-Terrorism Financing screening in accordance with international standards and local regulations.
Data Protection
Partners are required to comply with applicable privacy laws and data protection regulations in your jurisdiction.
Investor Protection
Investments are structured with investor protection mechanisms including trust structures and fund segregation. These mechanisms reduce specific risks; they do not make any investment risk-free.