Trust as infrastructure.

OwnMore operates under FinSA Art. 10 (institutional / professional) and Art. 3 (qualified UHNW). The platform is reserved for the top 1% — Art. 4 retail is not supported. OwnMore itself is not FINMA-supervised. KYC verification is performed manually; automated AML / PEP / sanctions screening is in preparation (cf. GwG Art. 3). Data residency follows DSG / FADP. A FINMA-supervised Swiss custodian is intended as the custody destination; the connection is in progress — the execution position is set out in §06. The platform is operated by BloomDigital GmbH, Lotzwil.

Every platform event — reservations, signings, KYC attestations, capital calls and distributions — is logged as a SHA-256 hash-chain entry. Each entry references the hash of the preceding one, forming a cryptographically tamper-evident sequence. The chain head is notarised quarterly. This lets every investor independently verify their own event sequence at any time.

MFA is mandatory for all member accounts — via TOTP or hardware key. Row-level security at the database layer ensures that each investor sees only their own data. Administrative interventions require the four-eyes principle and are themselves audited. Documents are encrypted at rest (AES-256) and in transit (TLS 1.3). PDFs are watermarked on download with the investor's MFA session ID.

All investor data resides on EU-Frankfurt infrastructure (Supabase Frankfurt, Clerk EU region). No personal data leaves the EU. Backups are held geographically redundant and retained for seven days. For any breach of data residency, the incident-response time is four hours.

Once operations have begun, an annual compliance audit is published as a signed PDF and filed on this page. It covers the FinSA tier classifications, KYC completeness, the results of the AML screening in preparation, the integrity of the hash chain, adherence to the four-eyes principle, and all incidents.

OwnMore intends stablecoin reservations in USDC, EURC and XCHF. Custody is to be provided through a FINMA-supervised Swiss custodian; this connection is in progress. Investment funds never run through OwnMore at any point. The FinSA tier rules apply unchanged — there is no compliance circumvention via crypto channels. A KYT check (transaction screening) is in preparation and complements standard KYC for the crypto on-/off-ramp. No ICOs, no token sales, no speculative instruments.