F.A.Q

Tokenization refers to the registration of an asset and its rights on a token in order to enable its management and peer-to-peer exchange on a blockchain, in a secure and instantaneous way. In other words, all transactions on a token are recorded in a publicly accessible register that nobody controls and that operates continuously.

Absolutely not! Our goal is to offer a very accessible customer experience, even for customers discovering the world of blockchain, and to enable them to become increasingly comfortable in fully exploiting all the opportunities of our model.

For example, an old adage in the world of cryptocurrencies says "not your keys, not your crypto" to say that having complete control over your tokens requires using your own wallet (and even an offline wallet like a ledger key, for example). This requires a good understanding of the ins and outs of managing your wallet, mastering its use and that of the blockchain used. At Atoa, you can leave your tokens with us until you have the time and desire to take this step when crypto enthusiasts retrieve their tokens on their wallets from the launch.

You can take advantage of the content posted on our blog or the many links to quality content created by others to train and inform yourself.

We aim for assets with an IRR between 8% and 12%. This means that by adding up the monthly jackpot, the appreciation of the token due to the work and amortization of the loan as well as the appreciation of the real estate market, the total profitability is in this range. However, we do not present our projects by betting on a value appreciation linked to the market but only on rental income and appreciation through renovation and transformation work carried out on the assets.

Yes, of course! You simply need to select this option when creating your account and you will go through a KYB which is the verification process for corporate clients.

By acquiring an Atoa token, you become the owner of :

• A right of enjoyment over the real estate portfolio, which corresponds to the monthly feeding of your jackpot based on the net cash generated by the projects in which you have invested

• The status of beneficiary of the security trust to which Atoa transfers ownership of the property. The trust is historically less used in France than in other European countries, but it offers a very strong guarantee on assets to such an extent that banks prefer to secure themselves by being beneficiaries of a trust rather than by taking a mortgage. You are therefore not directly the owner of the property or shares of the company that encapsulates it, but you benefit from a strong guarantee on the assets. It was unthinkable for Atoa to offer a simple commercial contract on the income of the assets without protecting our token holders by giving them this right over the assets.

To take advantage of the banking leverage effect, of course! The banking leverage effect is a technique used by investors to increase their exposure to the real estate market by borrowing funds from banks to finance their acquisitions. This technique allows the investor to benefit from a higher return on investment by using borrowed funds rather than their own funds.

The banking leverage effect works as follows: the investor uses a portion of their own capital to purchase real estate and borrows the rest from the bank. The bank uses the purchased real estate as collateral for the loan, which allows it to take less risk and offer more attractive interest rates.

By using the banking leverage effect, the investor can thus achieve a higher return on investment, as they benefit both from the appreciation of the value of the real estate and from the leverage created by the borrowing. For example, if the investor invests 100,000 euros in real estate that appreciates by 10% in one year, the value of their investment will increase to 110,000 euros. If the investor had used banking leverage and borrowed 400,000 euros to finance the purchase of the same real estate, their return on investment would be 50%, as the value of their investment would increase to 500,000 euros (110,000 euros in capital gains minus interest on the loan).

However, it is important to note that the banking leverage effect can also amplify losses in the event of a decline in real estate value or financial difficulties for the investor. If the value of the real estate decreases, the investor will have to repay the loan to the bank, even if they cannot sell the real estate for an amount sufficient to repay the loan. It should be noted that in the French market, we are mostly on fixed-rate loans which favors the use of leverage compared to countries where the norm is variable rate, which implies a higher level of risk.

That is why at Atoa, we develop each project based on current opportunities, and if the conditions or wishes of our clients lean towards 100% cash transactions, we will propose projects without credit leverage.

The Atoa solution favors liquidity, but does not guarantee it in any way :

Splitting into small parts of 50 €, allowing low-cost transactions thanks to blockchain, and reassuring buyers and sellers by providing a reference price are all elements that facilitate liquidity.

To sell, you need to find a buyer, and this element will depend greatly on the development of the Atoa community, as the more numerous we are, the more quickly sellers will find a buyer if they sell at a fair price. We aim to offer mechanisms to facilitate secondary market liquidity as soon as our regulatory registration is validated and our own funds allow us to do so.

As soon as the first sale of tokens for a new property is completed! Of course, this case should remain reserved for emergencies that require very quick recovery of liquidity, as if tokenization brings a lot to real estate investment, it does not make its fundamentals disappear, such as transfer fees (notary fees): if you invest alone in an apartment with a very good return but have to resell it for the same price 3 months later, you will have lost 8% in notary fees. We are therefore talking about investments from which you will derive the best profitability by signing up for the long term.

We take a 10% commission on transactions at the time of their realization to cover our services: Searching for a property (and finding the best ones!), visiting, negotiating with sellers or agents, conducting technical audits, and analyzing the project's profitability.

Every month we deduct 10% of the rents collected to manage the property from A to Z, carry out daily follow-ups, invoice tenants, collect rents, and transfer them to token holders, conduct visits, inventory, manage necessary insurances, follow up on claims, minor works, and relocations!

At the moment, we prefer to offer a secondary market on the Atoa website, but the nature of the tokens allows two people to exchange them outside of our ecosystem. Several points of attention :

Tokens can only be sent to a crypto wallet whose address has been previously registered on a client account and that this account has passed the identity verification (KYC).

In the event of a transaction that you deem inappropriate, we will not be able to help you directly, but we can provide information to the authorities if requested.

Our goal is to obtain the European MICA registration, which will replace all national registrations in 2024, as soon as possible. We have submitted a regulatory registration file and hope to obtain its validation in 2023, then to carry out the European registration procedures in 2024.

Of course, we will answer yes to this question, but the most important thing is why :

Two of the co-founders each have 20 years of experience in real estate and have been accompanying clients to find rare gems and manage them from A to Z for 10 years. Their network built up over the years allows us a privileged sourcing.

When we have the necessary financial capacity, we wish to offer the repurchase of tokens to clients who wish to resell them to increase the liquidity of our model. We will do this because we only select properties in which we would invest ourselves, and thus, repurchasing tokens and receiving the same return as other clients is the best way to show our commitment.

It remains protected by the fiducie (trust)! We invite you to consult the page explaining the fiducie to learn more.

The "token" has several advantages :

It can be transferred over the Internet peer-to-peer like a cryptocurrency. That is, it can be exchanged with another person without the consent of a third party and without the issuer retaining an original. Initially, we target exchange only via our website, but tokens could be exchanged in the future on other platforms in compliance with regulations.

It has characteristics specific to the blockchain: non-falsifiable, recording of exchanges in an immutable register, exchange security, and uniqueness of the token among a set of tokens corresponding to an asset.

It is programmable by the issuing entity: thus it can represent a right to vote, a means of payment, a property title, a dividend, etc... The token carries the characteristics of the contract to which it corresponds.

It has significant liquidity: it can be bought and sold at any time, on exchange platforms at a price set in real-time by supply and demand or the issuer's quotation (reference price).

The token allows Atoa great efficiency in asset management through smart contracts that will automate part of the administrative monitoring, track the evolution of token owners, and ensure automatic routing of rent payments, for example.

Tokens can easily be used as collateral for a loan by a client with the company, a bank, or a specialized company

Atoa is starting its activity in the French market with the goal of quickly offering properties throughout Europe if the opportunities and risk-return ratios seem favorable for the community. We have strong ambitions around energy-efficient building renovation, which will offer such opportunities when the price of properties includes a discount allowing for quality renovation.

The Token allows for this geographic openness. Regardless of the regulatory context of a market, it remains confined to Atoa's administrative and token management remains the same for our clients. Indeed, it can be difficult today for investors in Asia to invest in non-listed American real estate assets. Tomorrow these assets will be exchanged on platforms accessible to everyone. Accessibility 24/7, including outside market hours, will allow for unlimited transfers.

In France the gains from investing with Atoa are taxed at a flat rate of 30% (flat tax).

As a digital object, the token is not only proof of investment but an object that can be moved and used afterwards. Example of a collateral loan: You invested in Atoa tokens with a value of €1000. You deposit these tokens as collateral to take out a loan of €500. The tokens still belong to you and you receive their income, but you cannot retrieve them until you have repaid the loan. You can use the €500 for anything you want, but let's assume you use it to buy back tokens: you invested €1000 in cash and received a revenue of €1500 from tokens! This is possible because the profitability from your investment is much higher than the loan rate.