Welcome to wecity help centre

“Crowdfunding” comes from the combination of the words “crowd”, which means a group of people, and “funding”, which means to provide financial support. In this sense, the most accurate translation would be collective or collaborative investment, where many small investors join together to launch a project, in our case, a real estate project.

Collaborative funding platforms, such as wecity, are authorized companies by the CNMV and dedicated to connecting a group of individuals or legal entities that offer financing for a specific project in exchange for returns, with individuals or legal entities that request financing to develop a project. These companies professionally dedicate themselves to this purpose and do so through websites or other electronic means.

If you want to know how real estate crowdfunding works, click here (aquí)

Crowdequity is an alternative financing method in which investors participate directly in the share capital of the company promoting the project by making a financial contribution that is recorded as an increase in the company’s capital.

In the real estate sector, the developer presents a specific project and investors provide the funds for its development in exchange for an equity stake and a right to dividends.

Crowdlending is an alternative financing method (using private capital) in which investors lend funds to the promoter, and in return, the promoter will repay the borrowed capital plus fixed or variable interest based on the chosen modality and agreed terms (monthly, quarterly, or at maturity, as agreed). You can check the differences between fixed and variable interest here (Ver las diferencias entre interés fijo o variable aquí)

These loans are typically linked to guarantees from the promoter to mitigate risk.

The main difference between crowdequity and crowdlending is the way in which investors participate in the project. In crowdequity, investors become part of the company’s shareholders and therefore have the right to dividends, while crowdlending is based on a loan to the promoter, and investors receive the previously agreed interest, whether at a variable or fixed rate.

Decision-making right: In crowdequity, investors participate in decision-making through the General Shareholders’ Meeting. In crowdfunding, investors accept the loan conditions and destination beforehand and have no decision-making power.

In addition, there is a very important point that differentiates both options: tax benefits. While crowdequity offers a tax benefit based on the amount contributed in capital from 5% of the total, crowdlending does not have any tax benefits.

In this table, you can find the differences in terms of fixed or variable interest rates, commercial considerations, guarantees, early repayment, repayment periods, and grace periods.

Download table (Descargar tabla)

According to the law, “investors are a plurality of natural or legal persons who offer financing in exchange for a monetary return and may be either accredited or non-accredited.”

This differentiation sets the limits for wecity users. If you are a non-accredited investor, you have a investment limit of 3,000 euros per project and 10,000 euros (including other crowdfunding platforms); whereas if you are an accredited investor, you have no investment limit.

If you want to know the advantages of being accredited, click here (aquí)

If you are not yet registered and want to become an investor in wecity, you can sign up here (aquí).

According to the law, we refer to “promoters” as “individuals or legal entities who request financing on their own behalf to allocate it to a crowdfunding project.”

If you want to be a promoter on wecity and take advantage of the technological and financial benefits, please contact us. Click here (aquí) and you will be directed to the “promoter” section.

The term “opportunities” refers to the set of real estate projects in which you can invest.

According to the law, “an opportunity is synonymous with a crowdfunding project. The project must contain a concise and non-technical description so that the average investor can make an informed decision about financing the project.”

You can view the opportunities available on wecity here (aquí).

At wecity, we offer both equity and lending investment opportunities.

Equity involves projects where investors become part of the company’s share capital as partners. The number of shares an investor receives is proportional to the amount of their investment.

Lending, on the other hand, involves providing a loan to the project promoter for the development of their opportunity. These loans can be either fixed or variable. See the differences here (Ver las diferencias aquí)

At wecity, you can invest in four types of opportunities: rental, capital gains, fixed-rate loans, and variable-rate loans.

Rental: Buy + rent + sell

Projects that focus on rental income involve purchasing properties for renovation and rental purposes (either traditional or vacation rentals). Investors receive periodic profits from the rental income, and the properties are typically sold at the end of the project’s lifespan, offering a final capital gain.

Capital Gains: Buy + renovate + sell

Opportunities that focus on buying and renovating properties to increase their value before selling them.

Fixed-Rate Loans: Lend money for a fixed interest rate.

Participatory or Variable-Rate Loans: Lend money to the business plan. This loan is linked to the success of the operation and may occasionally be linked to a fixed-rate loan. See the differences here (Ver las diferencias aquí)

According to Article 57 of the Legal Regime of Participatory Financing Platforms, to be a promoter, “it must be validly established in Spain or another member state of the European Union. In the case of individuals, their tax residence must be in Spain or another member state of the European Union.”

It will be essential to provide:

a) Description of the company, its social bodies, and the business plan.

b) Identity and curriculum vitae of the administrators and directors.

c) Corporate name, registered office, Internet domain address, and registration number of the issuer.

d) Form of social organization.

e) Number of employees.

f) Description of the financial situation.

g) Structure of the share capital and indebtedness.

In addition, “Promoters or partners of the promoting entity, the promoter’s administrator, or the members of its Board of Directors may not be disqualified as provided for in Law 22/2003, of July 9, on Bankruptcy, or equivalent regulations of other Member States of the European Union, nor may they be serving a sentence for offenses against property, money laundering, the socio-economic order, the Public Treasury, and Social Security.”

If you have any questions, please do not hesitate to contact us here (aquí).

The promoters that wecity works with are companies with extensive and demonstrable experience and reputation in the real estate sector. In any case, all projects that appear on the wecity platform have been verified and comply with the established investor protection system standards.

All promoters who publish projects on our platform comply with the rules set by the scoring we perform. In this regard, we carry out an objective and impartial analysis of the main parameters of each company and each project. To do this, we thoroughly analyze the economic situation of the promoter at the time of launching the project, which is also analyzed from all points of view.

Promoters are an essential part of wecity’s daily work, so any company in the sector that wants to offer its projects through our platform can request it in the “promoters” (promotores)section of our website.

In any case, wecity thoroughly analyzes all promoters who contact us before they can access the platform.

If you are a promoter and want to get in touch with wecity, click here (aquí)

wecity conducts a thorough analysis of all real estate projects (opportunities) presented by promoters to ensure that they fit the chosen investment type and desired returns. All projects that meet the requirements will be published on the platform for investors to invest in.

wecity’s experts may rely, if necessary, on external companies (partners) to conduct a study of each project in order to obtain an objective evaluation of potential risks.

To publish opportunities on wecity, promoters must provide:

a) Description of the company, its social organs, and business plan.

b) Identity and CV of administrators and directors.

c) Company name, registered address, website address, and issuer registration number.

d) Social organization form.

e) Number of employees.

f) Description of the financial situation.

g) Capital structure and debt.

In addition, “Promoters or partners of the promoting entity, the promoter’s administrator, or members of their Board of Directors must not be disqualified as provided for in Law 22/2003, of July 9, on Insolvency, or equivalent regulations of other European Union member states, nor may they be serving sentences for offenses or misdemeanors against property, money laundering, the socio-economic order, public finance, or social security.”

Simultaneously, wecity may verify the information provided by the promoter, partners, or administrators by checking various relevant registries, such as:

a) Commercial Registry

b) Property Registry

c) Patents and Trademarks Registry

d) Unpaid Registries

You can get in touch with us by filling out the form available in the “Promoters” (promotores) section on our website. Alternatively, you can send an email to sponsor@wecity.io or call us at +34 679 667 623.

We look forward to hearing from you!

wecity requests the information required by Article 78 of the law, which includes:

a) Description of the company, its social organs and the plan of activities.

b) Identity and curriculum vitae of the administrators and directors.

c) Company name, registered address, Internet domain address, and registration number of the issuer.

d) Social organization form.

e) Number of employees.

f) Description of the financial situation.

g) Structure of social capital and indebtedness.

In addition, wecity may request any additional information deemed necessary to meet its standards of excellence.

You can check the fees at the following link: “fees”. “tarifas”

Creating an account on wecity is entirely free of charge. If you haven’t registered yet, you can do so now by clicking here aquí.

We welcome all investors, whether they are individuals or legal entities, who offer funding in exchange for monetary returns to join wecity.

If you haven’t registered yet, you can do so now by clicking on this link: Register for free. Regístrate gratis

Learn about the advantages of being an investor here aquí.

Signing up for wecity is very easy and can be completed in less than a minute. Simply go to the Sign up for free Regístrate gratis page and fill in the necessary information.

If you have any questions during the process, please don’t hesitate to contact us at support@wecity.io.

The main difference between accredited and non-accredited investors is that accredited investors have no investment limits, while non-accredited investors can only invest up to 3,000 euros in a specific project and a maximum of 10,000 euros per year (including all alternative financing platforms).

Learn more about the advantages of being an accredited investor here aquí.

When you first register with wecity, you’re considered a non-accredited investor. However, becoming an accredited investor is easy – simply log in to your control panel and click on the “become accredited”Regístrate gratis button in the top-right corner of your screen. Alternatively, you can visit the “advantages of being accredited” page and request accreditation from there.

If you’re not yet registered and would like to do so, simply follow these steps:

1. Go to wecity’s “Register for free” page.
2. Once registered, click on “Log in” and then “Advantages of being accredited” ventajas de ser acreditado.
3. You’ll need to meet certain requirements, which you can find on the “advantages of being accredited” page or listed below:

• Be an individual with an annual income of at least €50,000 or a financial portfolio worth at least €100,000.

Have requested and been granted accreditation status, renouncing your status as a non-accredited investor.

• Be a professional client, as defined in article 78 bis.3 of Law 24/1988 of 28 July on the Securities Market.
• Have contracted financial advisory services on wecity’s financing instruments from an authorized investment services firm.
• Be a legal entity or SME that has expressly requested accredited client status.
• Be an entrepreneur who individually meets at least two of the following criteria:
• Total assets of €1 million or more
• Annual turnover of €2 million or more
• Equity of €300,000 or more.

To invest, you’ll need to register with wecity first.

To get started, click on “Open my account” “Abrir mi cuenta”.

Sign up: Select the “Individual” option, fill in your personal information, accept the Terms and Conditions and Privacy Policy, and click on “Complete registration”. “My Profile”: Next, log in to your user account and go to “My Profile”, where you’ll need to complete the following sections:

My Personal Information + Residence + Other information + Legal Documentation, where you’ll need to attach:

• If you’re a tax resident in Spain, you’ll need to attach your ID card (photo, PDF, or similar), front and back, in color.
• If you’re a foreign tax resident in Spain, you’ll need to attach your identification document and your Foreigner Identification Number (NIE).
• If you’re a tax resident in any other country, you’ll need to attach an identification document or passport.
• If your nationality is from outside the European Union, you’ll need to provide a second identification document.

Activate your account: Once you’ve completed all the information, you’ll enter a verification process that may take up to 48 hours, and you’ll be informed promptly of its status. Invest: Once your information has been verified, you’ll be able to make your first investment.

If you have any problems sending us the information, you can also provide it to us at support@wecity.io.

To register on wecity, you must follow the steps below:

Start by clicking on “Open my account” “Abrir mi cuenta”.

Register: Select the “company” option, fill in the personal data of the legal representative of the company, accept the Terms and Conditions and the Privacy Policy, and click on “Finish Registration”.

Once inside the platform, you will have direct access to “My Profile” in your user account, where you must fill in the following sections:

“My Profile”, where you must complete the following sections:

Personal Data of the Legal Representative of the Company + Residence of the Legal Representative of the Company + Other Data + Legal Documentation of the Legal Representative of the Company + Company Information, where you must attach:

Deed of Incorporation of the Company

Real Ownership Deed of the Company

Company Activity Document (any certificate from the Commercial Register, a tax certificate, and any tax payment document, VAT – with a maximum age of 3 months – are considered valid)

ID of Partners who own more than 25% of the company’s shares.

Activate your account: Once all the information is completed, you will enter a verification process that can take up to 48 hours, and you will be promptly informed.

Invest: Once your information is verified, you can make your first investment.

If you have any problems sending us the information, you can also provide it to us at support@wecity.io.

Wecity complies with applicable legislation requiring the identification of all individuals or legal entities that register on its platform and confirming their identity to ensure that the person sending the funds is indeed who they claim to be.

Therefore, our team will need to validate your account before you can start investing in wecity projects.

In order for us to validate the documentation you send us, it needs to be clearly visible, crisp, and legible, and should not exceed 10MB in size per document (you can check this by right-clicking on the document and clicking on “Properties” if you use Windows, or “Get Info” if you use an Apple device. Please remember that you can send us documents in JPEG, PNG, and PDF formats.)

If you still encounter issues despite following these guidelines, you can send them to us via email at support@wecity.io.

In order to withdraw funds, it is necessary to link a bank account. Please note that this process only needs to be done once for each account you want to link.

To link your account, you will need to:

1. Access “My wallet” in your user account.
2. Click on “Add a bank account”.
3. Enter your account number with IBAN and no spaces (for example, ES1000492352982414205416). If the transfer is international, you will need to indicate the BIC/SWIFT code.
4. Name and address of the bank.
5. Send all documentation in PDF format and with a weight of less than 10MB that contains information verifying that you are the account holder. For example, a screenshot of a bank certificate or your online account will suffice.

Please note that if your bank is online-exclusive, you will need to send a double document.

If you encounter any problems despite following these guidelines, you can send them to us by email at support@wecity.io.

Please remember that we manually validate documentation and this process takes between 24 and 48 hours. We will notify you of validation or if there has been any error in your Private Area.

On the other hand, if you wish to contribute funds to your wecity account, you can send them with the same information as other deposits.

All funds invested in wecity opportunities are securely deposited in a segregated account at Banco Sabadell, opened by payment institution Lemon Way. Lemon Way is a registered Community Payment Institution operating in Spain, authorized by the Bank of Spain. This means that each investor’s money is separated from that of other investors and from wecity’s funds. Additionally, payment transactions to and from investors’ accounts are monitored by an independent regulated entity, separate from wecity.

Moreover, as an investor, you have no liability towards third parties, and your losses are always limited to the amount of capital invested.

Each project sponsor specifies the minimum investment amount required for their project.

Please note that the maximum investment for non-accredited investors is 3,000 euros, while there are no limits for accredited investors. If you would like to learn more about the benefits of becoming accredited, please visit our page “Advantages of Accreditation” “Ventajas de ser acreditado”

The process for investing is easy, fast, and secure.

Once you have registered, you must provide the necessary funds for your investments through a bank transfer or by using a credit or debit card. You can learn more about the security measures that govern your transfers on our Investor Protection and Security page Seguridad y protección al inversor.

We only need you to follow the registration and investment process and provide a NIE (Número de Identificación de Extranjero).

The capital you deposit into your Wecity account is held in a segregated bank account with Banco Sabadell, opened by the payment institution Lemon Way. Lemon Way is a registered European payment institution operating in Spain under the supervision of the Bank of Spain.

Lemon Way will provide you with an electronic wallet where you can monitor the status of your capital at any time. This reduces risk since the funds are held in a secure location while the opportunities reach their funding target. Once the target is reached, the funds are transferred to the promoter for execution. On the Safety and Investor Protection page, seguridad y protección del inversor you can see the security measures we take.

The capital allocated to an opportunity is locked in your Wecity account (wallet) until the project is fully funded or rejected. If the funding goal is reached, the money committed to the opportunity is transferred to the promoter’s wallet, and if the goal is not reached, the funds are returned to your account.

Access your private area, go to the “My Wallet” section, and click on the “Withdraw Funds” button.

The investment is recovered at the moment the property sale is closed. The term is usually between 12 and 36 months for the “capital gain” modality.

In the case of an opportunity based on rental income, the terms vary more, but usually around three years. Additionally, you will typically receive monthly dividends from the rentals and a capital gain when the property is sold.

In the case of an opportunity based on a fixed loan, the terms will be monthly, quarterly, semi-annually, and rarely annually.

In the case of an opportunity based on a variable or participative loan, the loan repayment will be made at the end of the opportunity. Participative loans may also be combined with the fixed + variable modality.

If you want to make a deposit via bank transfer, we will send you an email with the account number where you should make the transfer and a link where you should access to upload the transfer receipt. Remember that you should not attach the receipt to the email.

Please verify that the receipt contains the same data that you have provided to us: account holder, IBAN, concept, amount, beneficiary, and destination IBAN.

If the link does not work properly, you can copy the address into your web browser. If it still doesn’t work, you should send us the receipt as soon as possible to support@wecity.io, indicating in the SUBJECT your name and the name of the opportunity. Please note that without this document we cannot guarantee your reservation.

If you choose the option of investing via credit card, during the investment process, a payment gateway will open where you can enter the information of your credit or debit card.

Lemon Way es una entidad de pagos externa que custodia y gestiona los fondos de nuestros inversores con la máxima seguridad. En este sentido, las aportaciones de capital no se ingresan en una cuenta de wecity, si no a una cuenta creada por ti en la entidad de pago. Además, cada proyecto tendrá su propia cuenta, separada de los demás para que lo que pase en un proyecto no pueda afectar al resto.

Lemon Way is an external payment entity that safeguards and manages the funds of our investors with the utmost security. In this sense, capital contributions are not deposited into a wecity account, but into an account created by you at the payment entity. Additionally, each project will have its own separate account to ensure that any issues that arise with one project do not affect the others.

Lemonway is a regulated payment entity that manages all fund movements for users of wecity, as well as for most crowdfunding entities in Spain.

Please note that your money will be completely segregated from our accounts and under the custody of a regulated entity authorized by the Bank of Spain. LemonWay is a limited company with a capital of €1,102,268.08, SIREN number 500486915, headquartered at 14, rue de la Beaune, 93100 Montreuil, France. It was accredited on 12/24/2012 by the “Autorité de Contrôle Prudentiel et Régulation” (ACPR, France, 61 rue Taitbou 75009 Paris) as a hybrid payment institution, under number 16568 J, and authorized in Spain by the Bank of Spain to carry out its activity as a payment entity without a permanent establishment in accordance with applicable regulations.

You can view the general terms and conditions of Lemonway by clicking here aquí.

There are four types of investments: rental income, capital appreciation, fixed interest, and variable interest, which we detail below.

Rental Income: Buy + Rent + Sell

You invest in an opportunity by expanding the capital of a company that owns the property. You become a part-owner of the company, which was established for the acquisition and management of the asset.

Assets managed under a rental income strategy will be put on the rental market when they are ready. The rental agreement may be traditional or through vacation rental platforms.

At regular intervals (monthly, quarterly, etc.), the profit produced after paying rental management expenses will be distributed. Rental income will be sent to your wecity account.

Properties managed under this strategy will be sold when the investment objective is met, and each investor will receive a proportional part of the sale.

Capital Appreciation: Buy + Renovate + Sell

You invest in an opportunity by expanding the capital of a company that owns the property. You become a part-owner of the company, which was established for the acquisition and management of the asset.

In this case, profitability will be offered once the asset is sold.

Fixed Interest Loan: Interest payment on fixed intervals and principal at maturity

You lend money to a developer and, in return, receive a fixed interest rate within a specific time frame and the repayment of the principal at the end of the same period. In this type of loan, the developer may be required to provide collateral.

Variable or Participatory Loan: Interest payment and principal at maturity linked to the business plan

You lend money to a developer and link it to the business plan. This loan is tied to the success of the opportunity.

In brief, it is an operation where an asset is purchased, renovated, and sold.

In this case, the focus is on the potential of each property to increase in value in the short term. The strategy centers on buying properties at prices lower than the market value, in areas with short-term growth projections and high demand

In a nutshell, this is an operation in which an asset is purchased, renovated, rented out, and sold.

In this type of strategy, the rental potential of each property is prioritized, although it is also important that the asset has a price lower than the market value and is located in an area that offers facilities for renting.

In this regard, it is worth distinguishing between residential rentals, which can be rented out through traditional or vacation rental platforms, and commercial or industrial rentals, which are intended for the long term.

Yes, please note that you need to be an accredited investor inversor acreditado in order to invest the full amount in an opportunity. However, promoters may set minimum and maximum investment limits.

A portion of the property. To make it easier, each opportunity establishes a limited liability company, which is the one that buys the asset, and each investor has a percentage (proportional to the investment made) of the shares of this company.

No. Las inversiones a través de wecity son inversiones en economía real y directamente en la oportunidad pertinente.

El cliente sabe con total transparencia el destino de su capital y en wecity publicaremos información periódica de la situación de la misma.

No. Por lo tanto, te recomendamos que realices tu propio estudio antes de invertir en cualquier proyecto publicado en la plataforma.

Contamos con una serie de verificaciones que realizamos a todas las empresas que publican oportunidades en nuestra plataforma:

Que los socios o administradores de las empresas no estén inhabilitados o tengan antecedentes penales.

Que las empresas no se encuentran en los registros de ASNEF con el fin de descartar que la empresa se encuentre inscrita en algún registro de morosos.

Que las empresas solicitantes de financiación son solventes.

Que las empresas cuente con estándares de transparencia elevados para que los inversores puedan evaluar los elementos de riesgo asociados al proyecto.

Que el equipo de profesionales que compone la empresa tenga una amplia experiencia en ese tipo de proyectos.

Que el proyecto ofrece la seguridad jurídica que necesita un inversor y que protege sus intereses. wecity ha sido autorizada por CNMV como Plataforma de Financiación Participativa.

No. wecity únicamente pone en contacto a inversores con empresas que buscan financiación.

Todos los activos serán comprados por una Sociedad Limitada (SL) que se constituye expresamente para cada operación y para la explotación de cada inmueble. Los inversores se convierten en socios de esta sociedad y, por tanto, propietarios de un porcentaje del capital social equivalente a su inversión. Cuando se complete la financiación de cada proyecto, los inversores entrarán en la sociedad mediante una ampliación de capital.

En wecity queremos que leas los riesgos en que se puede incurrir en una inversión antes de invertir.

Todas las oportunidades que aparecen en nuestra plataforma han sido analizados en profundidad por el equipo de wecity, que cuenta con expertos financieros e inmobiliarios. En la página de cada oportunidad encontrarás toda la información del proyecto para que la puedas analizar y tomar una decisión de inversión adecuada.

Cada oportunidad cuenta con un plazo determinado para conseguir la financiación, aunque si la demanda de los inversores completa el capital necesario, el plazo se puede cerrar antes de lo previsto. En caso de que no se complete la necesidad de inversión, wecity , en atención a la ley, podrá ampliar el plazo inicial en un 25%.

No. La entrada de los inversores no requerirá firma ante notario.

La rentabilidad variará en cada oportunidad y dependen de las condiciones del mercado. Los promotores pueden marcar unos objetivos de rentabilidad en cada proyecto que serán verificados por nuestro equipo de análisis. Las rentabilidades de las oportunidades publicadas en wecity no están garantizadas. Rentabilidades pasadas no garantizan rentabilidades futuras.

Es el tiempo que se planifica desde el inicio del plan del negocio, una vez recibido la financiación, hasta la consecución del éxito que marque el promotor (casi siempre será la venta)

Es la rentabilidad que un inversor espera obtener de cada oportunidad de inversión, la rentabilidad real puede ser mayor o menor que la estimada.

wecity devolverá el 100% del capital invertido, sin el cobro de comisiones, y reembolsará la provisión de fondos anticipada al promotor que no se haya usado hasta el momento si:

El proyecto de inversión no cubre el 90% del objetivo como mínimo

Si wecity detectase la existencia de datos falsos, incompletos o desactualizados en la información de registro del inversor con la que wecity cuenta en cada momento o en la información que hubiere sido suministrada durante el proceso de registro de un proyecto.

After you make your investment, either through a bank transfer or credit card payment, we will verify your information. Once the capital is in Lemon Way’s account, you will receive a pre-reservation email. If we don’t receive the correct document or don’t receive it at all, we’ll contact you.

Remember, you can always reach out to us at support@wecity.io.

When the investment need is met, we’ll email you to let you know if your reservation is fully confirmed, partially confirmed, or if you didn’t make the cut. If we end up with more funding than we need, you’ll need to wait to see if another user cancels their reservation.

If you invest using available funds or a validated account, we’ll send you an email to confirm your reservation.

Once we confirm your investment, we’ll send you the necessary contract within a week.

Each opportunity has its own disinvestment conditions and dividend distribution. You can check these details in the information section of each project. If you have any questions, don’t hesitate to reach out to our team at support@wecity.io.

The promoters are responsible for notifying and returning funds to the investors. Once the funds are received by the investors’ bank account, they will automatically appear in your e-wallet.

Wecity complies with applicable legislation requiring the identification of all natural or legal persons and verifying that it is this person who is sending the funds, and not someone else. This means our team needs to validate your account before sending you a confirmation of investment.

Please note that for investment operations made through bank transfers, we must wait for the funds to reach the client’s fund account, which can take between two to seven business days. Additionally, if the documentation is incorrect or illegible, the process may take longer.

Please be aware that until your account is validated, we cannot reserve the amount.

Once the investment is completed, you will receive the investment agreement. However, please note that it may take up to ninety days from the successful closure of the investment to receive the legal documentation from the Commercial Register.

Funds are deposited into a segregated account until the opportunity successfully ends and is transferred to the promoter. If the project does not meet its goal, the funds will be returned to the investor’s bank account.

Each investment opportunity has a specific deadline as indicated in the preliminary information. When 100% of the funding is achieved, opportunities remain open until reaching 125% of the intended capital, which is when the investment is closed. Once closed, it may take up to seven days before the funds are transferred to the designated project.

You can check your investments in your private area within the “MyCity/My Investments” tab.

Each equity opportunity has a unique profitability, which combines rental income and asset value increase for the Rental type, and only asset value increase for the Plusvalía type. In other words, the Rental opportunities offer monthly income and capital gain at the end, while the “Plusvalía” opportunities only offer capital gain at the end.

You can make a deposit to your wecity account and check all transactions in the “My Wallet” section of your private profile.

In capital gains operations, you will receive your dividends when the property subject to the opportunity is sold.

On the other hand, in rental operations, profits will be distributed according to the promoter’s business plan, which may distribute them monthly, bimonthly, quarterly, or semi-annually. In addition, dividends will also be distributed when the property is sold.

Once you have the capital in your wecity account, you can either invest it in new opportunities or withdraw it by clicking on the “withdraw balance” button.

The funds will be transferred to your designated bank account listed in your profile, which does not necessarily have to be the same one used to make the initial deposit.

You will find all the investment opportunities in which you have participated in the “My City” section of your private area.

Wecity will refund 100% of the invested capital without charging any fees, and reimburse any unused upfront funds to the promoter if:

• The investment project does not reach at least 90% of its funding goal.
• Wecity detects the presence of false, incomplete, or outdated data in the investor’s registration information that Wecity has on record at any given time, or in the information provided during the registration process for a project.

Overfunding occurs when an opportunity obtains more capital than necessary to reach its funding goal. In such cases, there are two possible solutions:

Partial investment: When part of the investor’s contribution enters the opportunity, and the remaining part is left out (and will be reflected as “Available Balance” in the Private Area).

Investment in reserve/pending: When the investment has not entered the opportunity and cannot be formalized, but if a previous request is rejected, the user is placed on a waiting list and can enter as an investor in the project.

Yes, it is free!

My wecity account is a private area where I can access my personal information, see the investments I’ve made and the projects I’ve invested in, track my financial transactions (deposits, dividends, capital gains, etc.), and view tax-related information for each investment (such as withholdings).

My Profile:

Personal Information + Residential Information + Legal Documentation (both personal and for the company if applicable).

My Investments | My City:

This is the investment portfolio where you can find the details of each investment and the investment agreements.

My Wallet:

This is the section where you can find all the financial transactions. It includes both the inflow and outflow of capital.

Tax Information:

Here, you can find all the documents related to your investments, including Investment Agreements and Annual Withholdings.

None. Opening an account in wecity has no implications, and it is free of charge.

You can deposit funds into your account either through a bank transfer or by credit/debit card payment.

No, you can’t do it.

In the area ‘My Investments” | “My city”

To reset your password, go to the login page and click on the ‘Forgot my password’ link.  (Acceder)

“Our Pre-funding system allows investors who are part of the platform and interested in investing in a project to make a “pre-investment” during a predetermined period (according to the project), thereby securing their participation in the opportunity.

If the funding goal of the project is exceeded during the Pre-funding period, the project will automatically close.

All projects will have a maximum “over funding” amount specified per opportunity. If this maximum is reached during the Pre-funding period, the project’s financing will be automatically closed and no new investments will be accepted.”

Our usual communication system will be in place, and we’ll announce the start of Pre-funding via our newsletter a few days in advance to all of our investor base. In the newsletter, we’ll include the exact date and time when Pre-funding will open. During this process, the opportunity will be listed with the “Pre-funding” label, so investors can review all relevant project documentation published there and ask any questions they may have to the wecity team. Additionally, if they are interested, they can make a pre-investment.

At the date and time indicated in the newsletter that we send out to all investors, the project will open in the Pre-funding phase for a set duration, during which interested investors can pre-invest. Pre-investment can be made under the usual conditions, including a minimum investment amount (dependent on the project) and no investment limits for accredited investors. Please note that pre-investment is 100% binding.

If the funding goal is not met during the Pre-funding phase, the opportunity will remain open on the platform to continue financing with investments that are not part of the Pre-funding phase.

The funding goal may be exceeded by the amount predetermined for each investment opportunity that includes the Pre-funding period.

The amounts assigned to each investor will result from prorating the pre-investments made during the Pre-funding period, with two limits:

1. The amount per investor cannot fall below the minimum limit established for each opportunity.
2. In equity or capital gain projects, the minimum investment for corporate investors who have pre-invested 5% or more will be 5% of the share capital.

No. The Pre-funding system will be established in advance for each project, depending on its suitability