Crowdfunding platforms

Manage your crowdfunding platform’s financial flows: collection, tracking, payouts, reporting and compliance.

In brief

A financing platform must segregate collected funds, trace every subscription, pay out to project owners and report. Tractial provides payment infrastructure built for these flows. The crowdfunding provider’s duties and Tractial’s duties stay distinct.

A financing platform must combine a smooth investor experience with strict obligations: segregation of collected funds, traceability of every subscription, payouts to project owners, reporting. Tractial provides this payment infrastructure built for crowdfunding flows.

Operation cycle (teaching aid)

  1. Collection

    Subscriptions tied to an investor and an operation, through payment accounts.

  2. Close

    Target reached or another rule set for the operation.

  3. Allocation

    Funds follow the operation’s rules.

  4. Distribution

    Payouts to project owners according to milestones.

  5. Repayment / reporting

    Tracking and reporting, within the contracted scope.

Example sequence. Release rules depend on the operation and the contract. This is neither advice nor a presentation of return.

What it changes in practice

  • Traceable collection

    Every subscription is linked to an investor and an operation, through dedicated payment accounts.

  • Payouts to project owners

    Funds released according to the operation’s rules (target reached, milestones).

  • Embedded verification

    Investor KYC and project-owner KYB within the platform’s journey.

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Role of each party

European crowdfunding rules provide that payment services related to operations be provided by an authorised provider. Tractial is not the crowdfunding service provider.

  • Dedicated payment accounts
  • Investor KYC and project-owner KYB in the platform journey
  • Release rules assessed during scoping
  • Operational reporting

Scope

The exact scope depends on the platform’s model, its regulatory status, the nature of the flows and the required validations. The respective responsibilities of the platform and Tractial are defined contractually.

FAQ

Does a crowdfunding platform need its own payment institution?

No. The European crowdfunding regulation provides that payment services related to operations be provided by an authorised provider; the platform can rely on a licensed institution such as Tractial.

How are investors’ funds segregated?

Funds flow through dedicated payment accounts, separate from the platform’s own funds, according to the terms defined for the project.

Is conditional release of funds possible?

Release rules (target reached, milestones) are assessed during project scoping.

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