Last Updated: 1st April, 2026

1. DEFINITIONS

For the purpose of clarity and consistency throughout this Policy:

  • “Company” refers to Vestra Holdings, including all affiliated entities and subsidiaries.
  • “Platform” refers to the digital infrastructure through which real estate investment services are offered.
  • “User” refers to any individual or legal entity accessing or utilizing the Platform.
  • “Wallet” refers to the internal account used to hold investment funds within the Platform.
  • “Gateway” refers to authorized third-party financial service providers facilitating payments.

Plain Explanation

These definitions ensure that all users clearly understand the terminology used throughout this document. By standardizing key terms, we eliminate ambiguity and promote transparency in all financial interactions.

2. GENERAL PRINCIPLES

2.1 Vestra Holdings operates on principles of full transparency, regulatory compliance, and investor protection.

2.2 All applicable fees are disclosed upfront and are charged externally, unless explicitly stated otherwise.

2.3 The Company maintains a strict separation between:

  • Investor capital; and
  • Operational or service-related fees

2.4 Users are encouraged to review all applicable charges before initiating transactions.

Plain Explanation

This means your investment funds are protected and clearly separated from service fees. You will always see what you are paying and why, before committing to any transaction—ensuring no hidden deductions or unexpected costs.

3. DEPOSIT FEES

3.1 All deposits are subject to a standard fee of 2.10% of the deposited amount.

3.2 The total payable amount is calculated as:
Total Payment = Deposit Amount + (Deposit Amount × 2.10%)

3.3 Deposit fees:

  • Are processed externally through your selected payment method
  • Do not reduce the amount credited to your investment Wallet
  • May vary slightly depending on region or payment provider

3.4 Preferential rates may be offered through selected partners or promotional arrangements.

Plain Explanation

When you deposit funds, the small fee is paid separately through the payment provider—not taken from your investment. This ensures that 100% of your intended investment amount is fully credited and available for property acquisition or trading.

4. WITHDRAWAL FEES

4.1 General Structure

Withdrawals involve two distinct cost components:

  • Gateway Activation Fee (monthly service access)
  • Processing Fee (transaction-based cost)

4.2 Gateway Activation Fees

4.2.1 A monthly activation fee applies based on your withdrawal balance:

  • Below $100: $21.01
  • $101 – $1,000: $142.85
  • $1,001 – $50,000: $258.40
  • $50,001 – $100,000: $376.04
  • $100,001 – $500,000: $484.89
  • Above $500,000: $683.80

4.2.2 These fees must be settled prior to withdrawal processing.

Plain Explanation

This fee covers the operational infrastructure required to securely process withdrawals across global banking systems. It functions like a service access fee, ensuring reliable and compliant transfer of funds.

4.3 Processing Fees

4.3.1 Processing fees range between 2.10% and 8.42%, depending on:

  • Region
  • Payment provider
  • Transaction structure

4.3.2 These fees:

  • Are paid externally
  • Do not affect your Wallet balance

Plain Explanation

Processing fees are charged by financial networks and payment providers. These are standard in global finance and ensure your funds are transferred securely and efficiently. Your investment balance remains intact.

5. ACCOUNT REINSTATEMENT FEES

5.1 Accounts restricted due to policy or compliance issues may be reviewed for reinstatement.

5.2 Applicable fees are:

  • Tier 1 (Minor): $21.03
  • Tier 2 (Moderate): $52.59
  • Tier 3 (Significant): $135.71
  • Tier 4 (Major): $314.65 (subject to approval)
  • Tier 5: Permanent restriction

5.3 Fees must be paid externally and are non-refundable.
5.4 Restrictions lifting is 20 USD per process. Some further actions may be required if repeated.

Plain Explanation

These fees reflect the administrative and compliance work required to review and restore restricted accounts. More serious violations require deeper investigation, which is why higher tiers carry higher fees.

6. KYC VERIFICATION FEES

6.1 Vestra Holdings implements a structured Know Your Customer (KYC) framework to ensure compliance with international financial regulations, prevent fraud, and maintain a secure investment environment.

6.2 Each verification tier provides progressively enhanced access to Platform features, higher transaction limits, and improved service levels.

6.3 Advancement through tiers requires submission of additional documentation and successful completion of compliance checks.

6.4 KYC TIERS, FEATURES & FEES

Tier I – Basic Verification

Eligibility & Limits:

  • Account value: Up to $500
  • Monthly deposits & withdrawals: Up to $200
  • Investment access: Up to 2 property shares
  • Fund transfers: Not available

Service Level:

  • Standard customer support

Fee: $0 – $5.26

Plain Explanation:
This entry-level tier is designed for new users beginning their investment journey. It allows limited participation in the platform while maintaining minimal compliance requirements. It is ideal for testing the platform with low financial exposure.

Tier II – Enhanced Verification

Eligibility & Limits:

  • Account value: $501 – $1,000
  • Monthly transactions: Up to $1,000
  • Investment access: Up to 3 property shares
  • Fund transfers: Limited access enabled

Service Level:

  • Standard support queue

Fee: $15.78 – $26.30

Plain Explanation:
This tier is suited for users seeking moderate participation. It introduces limited transfer capabilities and slightly higher investment capacity, while still maintaining a straightforward verification process.

Tier III – Advanced Verification

Eligibility & Limits:

  • Account value: $1,001 – $10,000
  • Monthly transactions: Up to $10,000
  • Investment access: Up to 15 property shares
  • Fund transfers: Enabled with daily limits

Service Level:

  • Priority processing
  • Faster support response times

Fee: $41.03 – $62.07

Plain Explanation:
This tier is tailored for active investors. It significantly increases investment capacity and introduces faster operational support, making it suitable for users who regularly engage in property acquisition or marketplace trading.

Tier IV – Premium Verification

Eligibility & Limits:

  • Account value: $10,001 – $100,000
  • Monthly transactions: Up to $60,000
  • Investment access: Up to 60 property shares
  • Fund transfers: Full access with higher daily limits

Service Level:

  • Dedicated support line
  • Enhanced account management

Fee: $104.15 – $156.75

Plain Explanation:
This tier is designed for high-value investors seeking scale and efficiency. It provides substantial flexibility, priority handling, and a more personalized service experience aligned with professional investment activity.

Tier V – Institutional / Ultra-Premium Verification

Eligibility & Limits:

  • Account value: $100,000 – $1,000,000
  • Monthly transactions: Up to $500,000
  • Investment access: Unlimited property shares
  • Fund transfers: No restrictions

Service Level:

  • Priority concierge support
  • Dedicated account management
  • Customized investment assistance

Fee: From $209.45 (subject to custom assessment)

Plain Explanation:

This flagship tier is built for institutional clients, high-net-worth individuals, and corporate investors. It offers maximum flexibility, unrestricted access, and white-glove service, ensuring seamless execution of large-scale real estate investments.

7. ADDITIONAL FEES AND CHARGES

7.1 Marketplace Transactions

Transaction facilitation fees may apply and are disclosed before confirmation.

Explanation:
These are standard brokerage-style fees for enabling secure peer-to-peer real estate trading.

7.2 Referral Programs

Rewards may be adjusted for taxes or processing costs.

Explanation:
This ensures compliance with financial regulations and fair distribution of incentives.

7.3 Currency Conversion

Additional charges may apply for non-USD transactions.

Explanation:
These fees are determined by banks or payment providers and reflect global currency exchange costs.

7.4 Regulatory Compliance

Users must adhere to local financial laws.

Explanation:
Depending on your country, taxes or reporting requirements may apply independently of the Platform.

8. PAYMENT METHODOLOGY

8.1 All fees are collected externally at the point of transaction.

8.2 No fees are deducted from your Wallet unless clearly stated.

8.3 This ensures full visibility and separation of funds.

Plain Explanation

Your investment capital is always kept separate from operational costs. You always know exactly what you are paying—and your investment remains untouched.

9. LIMITATION OF LIABILITY

9.1 Vestra Holdings shall not be liable for:

  • Third-party payment failures
  • Banking delays
  • Currency fluctuations
  • External processing costs

Plain Explanation

While we ensure a secure platform, external financial systems (banks, gateways) operate independently and may introduce delays or charges beyond our control.

10. AMENDMENTS

10.1 The Company may update this Policy as required.

10.2 Updates will be communicated via official channels.

Plain Explanation

As regulations and financial systems evolve, this policy may change. We will always notify you of any important updates to maintain transparency.

11. CONTACT INFORMATION

For any questions or assistance, Users are encouraged to contact Vestra Holdings through official support channels.