Crowdfunding platforms and anti-money laundering activities (AML)

Participating in combating money laundering and terrorist financing plays an important role in ensuring the reliability of the financial system and business environment in general. As we are operating in different European countries and entering into new markets, EstateGuru  considers contributing to the fight against money laundering as one of the priority business tasks. Application of AML measures is an unavoidable part of being a sustainable crowdfunding platform, for creating trust and serving clients from different parts of the world.

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Why we are strengthening the payment process

EstateGuru has more than 42 000 investors and we are growing fast. Our investors come from many countries that have very different regulations for protecting private investors and requirements for payment service providers. Although crowdfunding does not yet have pan-European regulation in place, we have a fairly good idea of what constitutes best practise and what requirements will emerge:

  • Keeping funds securely and segregated
  • Making money movements transparent and traceable
  • Following AML/KYC procedures
  • Securing payments
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Introducing the Referral Rewards program

We’re incredibly excited to unveil our brand new referral program which aims to make referring friends to EstateGuru even better than before.

Our investors are the most important people at EstateGuru, and we feel it is vital that we show appreciation for your loyalty and trust.

With this in mind, we created our new Referral Rewards program, which lets you reach a series of milestones for inviting friends and acquaintances to EstateGuru and, as you hit these milestones, unlock increasingly exciting rewards.

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The present and future of crowdfunding

Mihkel Stamm, Crowdfunding Area Head of FinanceEstonia and COO of EstateGuru

Crowdfunding as a business model has proved itself over the ten years it has existed; the sector is growing rapidly and adding value to the economy. According to a study conducted at the University of Cambridge, Estonia is among the top countries in Europe ranked in terms of per capita volume of alternative funding. Our goal is to become leaders in this field also in terms of quality, stability and technological innovation.

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Problematic Loan Portfolio overview

The new year is now in full swing and here is our first Problematic Loan Portfolio Overview of 2020.  Besides statistics for Q4, it also contains some important updates from the previous month. To date, crowdfunding has been able to operate in conditions of economic growth and no major crisis has yet occurred. However, by now the first platforms in Europe have gone bankrupt, the first investor money has been lost, and in the last few weeks, the first scams have emerged. So, it’s even more important to be aware of all the accompanying risks when investing and to exercise extra caution by carrying out diligent pre-analysis of the platforms and projects you choose when deciding to invest.

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