Risk Disclosures
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Risk

Money needs to work - this is our proposition. We are helping companies by providing short term loans sourced from the crowd through our platform. We don’t want to go as far as claiming to have developed a new asset class, but our investment process inherently offers a higher rate of return with lower volatility versus comparable investments and although our investments are highly securitized through our diversification and insurance process, every investment always carries a degree of risk so the valid question for our investors is: what happens to my money if a company pays back its loan too late or not at all. To address this, we have taken several precautions.

Security first

Companies wanting to use our services undergo a rigorous risk assessment. At the outset we have implemented some “hard” criteria acting as a gatekeeper preventing non-serious companies from misusing our services. These include factors such as meeting some minimum statutory requirements, having been operating for a minimum of years and working with a stable and reliable customer base. In addition, we check dozens of financial data points from various sources as well as the repayment discipline observed with us so far, all ending up in a Finyoz internal risk scoring matrix.

Once the underlying invoices have been submitted by the companies and confirmed by the debtors, they get insured with a mandatory trade credit insurance. Then, our matching algorithm spreads your investment amongst several companies within your selected time horizon ensuring we diversify the risk of your investment between many participants. Should a specific company not meet their repayment obligations, there are still many other companies that have.
risk
Companies are never paid out the full financing amount at once and we always keep a security deposit on your account until the debtor has paid the full amount of the invoice back. Only once the debtors' funds have been received in our system and can be allocated back to you, we release the security deposit as a second tranche of payment to the company.

Should funds not be received back to our system from specific companies, the insurance coverage as well as the security deposit will be paid out to you in essence protecting your initial investment.
All transactions are registered in digital custody accounts provided by Tangany Gmbh, a company regulated by the German Financial Authority “BaFin” with license number 50085612.
We adhere to the standards of the German Financial Supervisory Authority “Bafin” and the Dutch Central Bank “DNB”
Financial services is a highly regulated industry and it ought to be to insure clients protection, high ethical standards and a proper delivery of the expected services. Finyoz is a so-called 'tied agent' of DonauCapital Wertpapier GmbH, which is regulated by the German Financial Authority “BaFin” (”Bundesanstalt für Finanzdienstleistungsaufsicht”) and can be found in its respective register at: portal.mvp.bafin.de/database/VGVInfo/ Our payment services are provided by CurrencyCloud B.V. registered and authorised by the Dutch National Bank as electronic-money institution.

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As a tied agent according to §3(2) WplG, Finyoz Deutschland GmbH is arranging deals in investments under §2(2)(3) WplG and placing financial instruments without a firm commitment §1(1a)(2)(1c) KWG under the name and account of DonauCapital Wertpapier GmbH, Passauer Str. 5, 94161 Ruderting, supervised by the German Financial Authority (“Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin”) which has a publicly accessible register under www.bafin.de listing all supervised companies. Payment services for Finyoz Deutschland GmbH are provided by CurrencyCloud B.V. (https://www.currencycloud.com/legal/terms/) registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 - 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorised by the DNB under the Wet op het financieel toezicht to carry out the business of a electronic-money institution (Relation Number: R142701). Payment and e-money services (Non MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199)