Frequently asked questions
What is Ovolus?
Ovolus is an online crowdfunding platform operated by One Three Capital, a company authorised and supervised by the Hellenic Capital Market Commission (HCMC). Ovolus focuses on real estate and hospitality investments. It connects investors with selected projects, with investments starting from as little as €500, while providing project owners with access to flexible, alternative financing.
Is One Three Capital (the operator of the Ovolus platform) authorised?
Yes. One Three Capital has been authorised by the Hellenic Capital Market Commission to provide crowdfunding services pursuant to Regulation (EU) 2020/1503 (HCMC Board of Directors Decision No. 1043/27.12.2024).
What is Ovolus’ mission?
Our mission is to democratise access to high-quality real estate and hospitality investments by providing a secure, transparent and user-friendly platform for everyone.
How can I contact the Ovolus team?
If you have any questions, need help with your account, or want to learn more about a project, you can reach us directly at support@ovolus.com.
What happens if Ovolus ceases operations?
Investments remain legally owned by the investors. Ovolus acts solely as an intermediary in the investment process and does not acquire ownership rights over the investments. Investors directly hold company interests or transferable securities (shares or bonds) issued in their names by the project owner, and retain their legal relationship with the project owner even if the platform ceases operations.
What is crowdfunding?
Crowdfunding is a financing model through which multiple investors fund a project via online platforms.
What is equity crowdfunding?
It is a form of financing in which investors acquire company interests or securities (shares or bonds) in a company in exchange for their investment, thereby participating in its ownership and gaining the opportunity to benefit from potential future profits or an increase in its value, subject to the terms of the respective project.
What is IRR?
The Internal Rate of Return (IRR) expresses the estimated annual return on an investment, taking into account both the amount and the timing of cash flows.
What is ROI?
Return on Investment = (Final Value – Initial Investment) / Initial Investment. ROI, is the total return on your investment, expressed as a percentage
How does real estate crowd investing work?
Real estate crowdfunding enables investors to acquire an indirect ownership interest in real estate without having to purchase an entire property or commit a substantial amount of initial capital. Through Ovolus, investors can participate in financing selected projects by acquiring shares or company interests in a company that owns or acquires the property. In this way, they obtain an indirect ownership interest in the property and may benefit from potential operating profits or an increase in the property’s value, subject to the terms of each investment. Ovolus acts as an authorised intermediary, facilitating the investment process in accordance with Regulation (EU) 2020/1503.
Does investing in crowdfunding projects involve risks?
Yes. As with any investment, there are risks, including loss of capital, liquidity risk and project execution risk. Please carefully read the Key Investment Information Sheet (KIIS), together with all documents made available on the platform for each project, before investing.
Who can invest?
Any individual aged 18 or over, or legal entity from an eligible country, may invest through Ovolus, provided that they hold a bank account with a Greek IBAN. To start investing, you must complete the identity verification process and accept the Ovolus platform Terms and Conditions, as well as the terms of its partner payment service provider, secupay AG.
Why do I need to provide an identity document?
Relevant identification documents are required to verify your identity and ensure compliance with the applicable regulatory framework for the prevention of money laundering and terrorist financing.
Who are Sophisticated Investors?
Sophisticated Investors are individuals or legal entities considered to have sufficient financial knowledge, experience, and financial resources to understand complex investment products and heightened risks, as defined by specific criteria:
(a) Individuals
At least two of the following criteria must be met:
- Financial capacity: Annual gross personal income of at least €60,000, or a portfolio of financial instruments (including cash and financial assets) with a total value exceeding €100,000.
- Professional experience: At least one year of employment in the financial sector in a position requiring knowledge of the relevant transactions, or 12 months in a senior managerial or executive position at an entity referred to in point (b).
- Investment activity: Transactions of significant size on capital markets, at an average frequency of at least 10 per quarter over the previous four quarters.
(b) Legal Entities (companies, investment vehicles, etc.)
At least one of the following criteria must be met:
- Own funds: At least €100,000.
- Net turnover: At least €2,000,000.
- Total balance sheet: At least €1,000,000.
Who are Unsophisticated Investors?
Non-sophisticated Investors are all individuals or legal entities that do not meet the criteria for Sophisticated Investors. Non-sophisticated Investors benefit from enhanced investor protection measures, including an appropriateness assessment, a simulation of their ability to bear losses and full disclosure of investment risks. Following confirmation of an investment, a four (4)-day reflection period applies, during which the investor may revoke their offer to invest without incurring any charges.
What is the appropriateness questionnaire?
It is a brief assessment designed to help determine whether investment opportunities are appropriate for a non-sophisticated investor in light of their investment experience, level of knowledge, sustainability preferences and ability to assume investment risk. Completing it is optional but recommended. Further information about the appropriateness questionnaire is available in Clause 5 of the Terms and Conditions.
How do I fund my investment?
Once you have selected a project, you will receive payment instructions through the secure investor dashboard. Available payment methods may include bank transfer or other approved methods.
What is the simulation of the ability to bear losses?
It is a tool that enables non-sophisticated investors to assess their financial ability to absorb potential losses, calculated on the basis of 10% of their net worth. Ovolus will ask you to update the relevant financial information after one year. Further information on how this tool works is available in Clause 5 of the Terms and Conditions.
How do I receive dividends from my investment?
Dividends are credited directly to the personal bank account (IBAN) you provided at the relevant stage of your registration on the platform.
Can I cancel an investment?
If you are a non-sophisticated investor, you have a four (4)-day reflection period from the time your investment is confirmed.
Are there fees for investors?
No. Ovolus charges fees to the project owner and does not charge investors.
Where does my money go when I invest?
Funds are held in a secure, dedicated escrow account maintained with a banking institution through the partner payment service provider. Only after the successful completion of the fundraising and fulfilment of the conditions specified in the relevant offering is the total amount transferred to the project owner’s account.
How do I choose the right investment?
You are advised to carefully review the business plan, the key financial information for each investment and the risks associated with each project, and to assess your investment objectives and the level of risk you can bear, using the dedicated online loss-bearing capacity simulation tool and the appropriateness questionnaire available on our platform for these purposes. Ovolus also provides access to the relevant investment documentation for each project so that you can make informed investment decisions.
Can I sell my shares/company interests?
Shares and company interests may be transferred in accordance with Greek Law 4548/2018 and Greek Law 4072/2012, respectively, as well as the provisions of the articles of association of the relevant project owner. In addition, a bulletin board is under development on the Ovolus platform, through which investors will be able to express an interest in buying or selling shares/company interests acquired through the platform.
Why raise capital through Ovolus?
Ovolus offers a reliable and effective way to raise capital by providing access to a continuously growing investor base.
What types of projects are listed on Ovolus?
Ovolus features investment projects in property development, hospitality and tourism, as well as selected mixed-use projects, characterised by a clearly defined business model and an identified investment exit strategy.
How can I apply for funding for my project through Ovolus?
Submit your application, provide the necessary project information and documentation, and complete the due diligence process so that your project can be assessed and a final approval decision can be made.
What is the maximum funding amount?
Up to €5 million per project under Regulation (EU) 2020/1503.
Can I combine crowdfunding with other financing?
Yes. Financing through Ovolus can complement other sources of funding, such as bank loans and private capital.
What happens after my project has been successfully funded?
Following successful completion of the fundraising and fulfilment of the applicable crowdfunding conditions, the funds raised are transferred to your designated bank account so that you can proceed with implementing the business plan submitted to Ovolus.
What is secupay AG?
Secupay AG is a licensed payment service provider based in Germany and supervised by the German Federal Financial Supervisory Authority (BaFin). Ovolus partners with secupay AG to process financial transactions through the platform in accordance with the applicable European regulatory framework for payment services (PSD2). This partnership contributes to the secure and reliable processing of transactions in compliance with the applicable regulatory requirements.
How are my funds protected through secupay AG?
Investments are processed through a secure, regulated payment system, with funds deposited into a dedicated escrow account held with a credit institution partnering with secupay AG. The amounts remain held throughout the fundraising period and are released only once all crowdfunding conditions for the relevant project have been fulfilled. If those conditions are not met, the funds are returned to investors.
How do I transfer money to a project?
Once you have selected the amount you wish to invest, you can transfer your funds either by debit or credit card through the secure payment environment of secupay AG’s partner financial institution, or by bank transfer directly from your bank to the dedicated project funding account. For bank transfers, you must enter the payment reference correctly, as shown in your investment payment details, so that the transaction can be promptly identified and your investment confirmed.