What is CONDA Capital Market and how does the platform work?
CONDA Capital Market is a digital investment platform that enables you to invest directly in companies – especially growth-oriented SMEs in the DACH region. Investors choose from vetted projects online, invest transparently via the platform, and benefit from a fully digital process. The platform is aimed at both private and institutional investors looking for alternatives to traditional financial products.

What types of investments does CONDA Capital Market offer?
CONDA Capital Market offers various investment instruments, including bonds, convertible bonds, shares, and profit participation rights. These allow flexible investment in different company phases – from scale-ups to established SMEs.

How secure is an investment on CONDA Capital Market?
Like any entrepreneurial investment, there are risks involved. CONDA Capital Market is registered under the European ECSP regulation and supervised by the Austrian Financial Market Authority (FMA). Each project is subjected to a plausibility check before being published. Nevertheless, the rule applies: higher return opportunities come with higher risk – including the possibility of total loss.

What are the return opportunities and risks?
Returns depend on the type of investment, term, and the economic success of the company.

Return opportunities:

• Fixed interest: Bonds and convertible bonds can offer annual interest rates between 5% and 9%.
• Bonus or non-cash rewards: Some projects offer additional perks, such as vouchers or higher product discounts.
• Equity participation: Shares and profit participation rights may offer dividends or long-term value appreciation.

Risks include:

• Default risk in case of insolvency.
• Subordination of claims in many investment types.
• Market and legal risk depending on economic developments.
• Liquidity risk: No established secondary market; early exit usually not possible.

Each project contains detailed risk disclosures. We recommend careful evaluation and diversification of your investment.

What is the minimum investment amount?
You can start investing from as little as €250. This low entry threshold makes it possible to build a diversified portfolio with modest amounts.

How does the investment process work?
The investment process is simple and fully digital:

1. Register and verify your account
2. Select a project and review the details
3. Choose the amount and invest online

All steps can be completed online without paperwork.

Are there any costs or fees?
There are generally no direct fees for investors. The costs are borne by the company raising capital. You can find more details in our General Terms and Conditions (GTC).

How can I diversify my portfolio?
By investing in different projects, sectors, and financial products via CONDA Capital Market, you can reduce your risk and increase your exposure to different return profiles.

What tax aspects should I consider?
The taxation of your returns on CONDA Capital Market depends on the type of investment, the country of residence of the issuer, and your own country of residence.

In general, CONDA Capital Market is tax-simplified – meaning that capital gains tax (or withholding tax) is usually withheld and paid directly by the issuer. If this is not the case, you are responsible for declaring and paying taxes yourself.

For cross-border investments, withholding taxes may apply. However, double taxation agreements (DTAs) allow for offsetting or refunding of excess taxes paid.

A clear overview of the tax implications for investors residing in Austria or Germany is available in the CONDA Help Center here.

Note: This information does not constitute tax advice. Please consult a tax advisor for questions regarding your personal tax situation.

How can I sell or transfer my investment?
In general, your securities are transferable. However, certain restrictions may apply. For example, some shares can only be transferred with the approval of the issuing company – this is known as "vinkulation". You’ll find detailed information in the respective Key Information Document (KID) of each investment.

To initiate a transfer, the recipient must also be registered and verified on the CONDA Capital Market platform. This is necessary to ensure that the transfer can be processed using the underlying blockchain technology. Once both parties are verified, the tokens are transferred directly between their wallets based on the agreed terms.

The purchase price is entirely up to you – it is negotiated directly between buyer and seller.

Currently, CONDA Capital Market does not offer its own secondary market. This means that investors must independently look for opportunities to sell their investments.

What happens if the issuer becomes insolvent?
In the event of the issuer’s insolvency, investors may lose part or all of their invested capital. Generally, there is no deposit guarantee. While CONDA Capital Market conducts a plausibility check before publishing projects, it does not guarantee the economic success of any investment.

What makes CONDA Capital Market different from traditional banks or funds?
CONDA Capital Market gives you direct access to high-yield investment opportunities in SMEs, starting from just €250. Unlike banks or funds, you invest directly in selected companies – digitally, transparently, and without intermediaries. This means you decide where your money goes, can engage with the company, and receive first-hand information.