Simulated in this demo
Key investment information sheet
A KIIS-style summary for every offer before any commitment: costs, risks, rights and the issuer.
Regulatory readiness
Investor protection designed in, not bolted on
The safeguards we propose to operate, and which of them this demonstration simulates. Meithera is not authorised or regulated by the Central Bank of Ireland; nothing here implies approval.
Stage 0 · Demo· Simulated todayStage 1 · Lending· Possible under ECSPR
Safeguards
Twelve controls, honestly labelled
Each control is marked as simulated in this demo, a proposed design, or dependent on an authorised partner.
- Simulated in this demo
- Proposed design
- Requires authorised partner
Simulated in this demo
Entry knowledge test
Non-sophisticated investors take a short knowledge test and a loss-bearing simulation before investing.
Simulated in this demo
Risk warnings and limits
The same risk warning everywhere. An extra warning above the higher of €1,000 or 5% of stated net worth.
Simulated in this demo
4-day reflection period
Investors can withdraw without penalty during a pre-contractual reflection period.
Requires authorised partner
Client money
Investor funds held only by an authorised payment institution in segregated accounts — never by Meithera.
Requires authorised partner
KYC and AML/CFT
Identity verification, sanctions and PEP screening, and ongoing transaction monitoring by a regulated provider.
Proposed design
One company per home
Each home in its own property company, ring-fencing assets and liabilities from other homes and from the platform.
Simulated in this demo
Register on Raya Chain
Pseudonymous, hash-chained record mirroring the official register; freeze and court-ordered correction built in.
Proposed design
Data protection
No personal data on-chain. GDPR-aligned processing with data minimisation; this demo stores nothing personal.
Proposed design
Operational resilience
DORA-aligned ICT risk management, incident reporting and third-party oversight for critical providers.
Proposed design
Complaints
A documented complaints process with timelines and a route to the Financial Services and Pensions Ombudsman.
Proposed design
Conflicts and governance
No platform investment in its own offers without disclosure; independent oversight of valuations and pricing.
Open questions
What we are asking the Innovation Hub
We present these as questions, not conclusions. The answers decide the legal basis for each stage.
- 1
Is a Stage 1 secured refurbishment loan best offered under ECSPR through a licensed partner, or does it raise other permissions?
- 2
Could Stage 2 notes in a single-asset property company fall within MiFID II, AIFMD or ECSPR — and what would decide it?
- 3
What does the Central Bank expect from an authorised payment or custody partner in this model?
- 4
Would a live, read-only supervisory view of the register be useful to the Central Bank?
Property investments involve risk, including possible loss of capital. Returns are not guaranteed and investments may be illiquid.