Crowdfunding Platform

An online crowdfunding platform that connects investors with enterprises or individuals seeking financing for projects. Funds can be raised through loans (peer-to-peer lending), equity participation (equity crowdfunding), debt financing (debt crowdfunding), donations, or pre-financed rewards (reward-based crowdfunding). The activities of these platforms are governed by Regulation (EU) 2020/1503 and the Markets in Financial Instruments Act, where they are classified as “providers of crowdfunding services for enterprises.” When offering investment products, they are subject to licensing and supervision by the Financial Supervision Commission. These platforms provide access to alternative investment opportunities but involve risks such as credit risk, lack of guarantees, and regulatory limitations.