Frequently asked questions

VIAINVEST is a licensed investment platform enabling to invest in asset-backed securities with underlying loans originating from non-banking lenders – the VIA SMS Group, its daughter, and related companies. Portfolios of non-banking borrower requests mainly consist of consumer loan requests across Europe and Asia. Unlike traditional banking VIAINVEST offers private investors access to the non-banking lending sector.

Unlike traditional banking or investment service providers, VIAINVEST offers private investors access to the non-banking lending sector through a simple process.

Borrowers request funding (loans) from the VIA SMS Group and its daughter companies. Loans from each loan originator will be combined into pools of loans. After the securitization process, all securities linked to a certain pool of loans will be published on the VIAINVEST platform with the same ISIN (International Securities Identification Number provided by Nasdaq Riga). This makes them available for investment and from this point, each investor has to decide on how much he wants to invest into a specific pool of loans.

Our registration process is very simple – all you need to do is to fill in the registration form by providing your personal details and contact information. Register your investor account here!

Deposits to your investor account can be easily made by transferring funds to the VIAINVEST's bank account that is provided in your investor account by navigating to "Add Funds" section.

Your payment will be processed within 2 work days.

The first payment can be made either from bank account opened within the EU credit institution or electronic money or payment institution that complies with such criteria:

VAINVEST holds cash funds of the Investors in BluOr Bank AS (Latvia).

Deposits to the VIAINVEST account can be accepted only in EUR.

To begin investing as a private individual, you must be at least 18 years old and hold citizenship within one of the EEA countries. In order to start investing feel free to complete the registration process and make the first deposit to your VIAINVEST investor account. If personal information stated in your investor profile matches the bank information of the person transferring funds to the VIAINVEST platform, the investor profile becomes active and you are able to start investing.

No, investors are charged no additional fees for investing within VIAINVEST.

To change your bank account number you need to transfer at least EUR 0.01 from the new account to our bank account for verification purposes. Please state the following text in the section "Payment details": Change bank account No. for the Investor account No. *******. Please note that you can only switch to the account opened in the bank, electronic money institution or payment institution registered and/or licensed in European Union.

You are able to withdraw your inactive funds (funds not assigned to an active contract) that are listed in your investor profile as “Available funds”. As the User Agreement states that the main currency of operations on the platform is EUR, withdrawals also can be requested only in EUR.

Funds can only be transferred to the registered bank account.

The minimum withdrawal amount is EUR 50; if the "Available funds" in the account are less than EUR 50 and no funds are assigned to an active investment, you can withdraw the entire amount in a single transaction.

The minimal amount for one investment is EUR 50.

Starting 02.08.2022 VIAINVEST will list a new type of investment – the Asset-backed securities and discontinue the investments into the loan contracts.

Asset-backed securities are financial instruments backed by a pool of loans. Several loans are pooled together to create a new investment product in a regulated environment – more secure, more balanced, and more convenient.

Investing in Asset-backed securities entitles the investor to receive the interest payments and principal repayments on the underlying loans. Being regulated means being more secure – all investments in Asset-backed securities are protected by the Investor Protection Law established under EU Directive 97/9/EC. Learn more about Asset-backed securities in the “Making Investment” section.

Asset-backed securities will replace the current loan contract investment type.

When investing in loan contracts, an investor is purchasing the right to receive loan repayments from the borrower based on the agreements. The terms of the investment are detailed in such an agreement. An investor has a direct claim against the borrower. This type of investment is not subject to regulatory oversight and the new offering will be discontinued.

We work in various ways to keep your account and funds safe.

In accordance with the provisions of the Investor Protection Law established under EU Directive 97/9/EC, investors are entitled to compensation in the amount of outstanding liabilities up to EUR 20 000. The investor protection mechanism applies only to investments in securities.

Investor funds are held in segregated accounts separate from the company’s funds and can only be used for executing investors’ orders. The main purpose of segregated accounts is to ensure that investors’ funds will never be misappropriated.

Brand VIAINVEST is operated by the legal entity Viainvest Ldt. (SIA Viainvest). Like all brokerage companies that handle securities, SIA Viainvest is regulated by the Latvijas Banka the central bank of Latvia (license number 27-55/2023/2.), which oversees the securities market to ensure transparency and fair dealings.

VIAINVEST is a part of VIA SMS Group – an alternative financial services provider operating across Europe and Asia. More information, as well as Group financial reporting, is available at www.viasmsgroup.com

In case of any questions, you can easily get in touch with our customer support team using e-mail: [email protected]. Our team will be happy to address any issues in Latvian, Russian or English.