Frequently asked questions
What exactly do I own?
A fractional, legally held ownership claim in a concrete asset — a ship, the first time around. Not a fund slice, not a debt instrument. Your share is held digitally tokenised within a regulated framework — that's the technology behind it, not speculation. The exact legal form is described in full in the key information document.
How do I make money — and is it guaranteed?
The asset earns income (e.g. from charter contracts) and you receive your share of it. The first asset is calculated with a target return of 8% p.a. (IRR) net of costs — a target, not a guarantee. Income fluctuates, and there is a risk of losing up to your entire stake. We promise no returns — we show the mechanics.
What fees apply?
Three fees, all in the open: a one-off 1.5% at subscription, an ongoing 1.0% p.a. for management, operations and custody (all included), and a 20% performance fee — but only on the part of the return above the 8% p.a. hurdle. Full details in the “Structure & costs” section, finalised in the PRIIPs key information document. No hidden mark-ups.
Who regulates this?
The structure is set up within the German framework (KAGB) and managed by a regulated capital management company (KVG), with an independent depositary. BaFin is the competent supervisory authority for this framework.
What happens if OwnX disappears?
Your ownership does not depend on OwnX continuing to exist. The asset is held in its own company and controlled by an independent depositary. OwnX is the platform — not the custodian of your assets.
Can I exit again?
Real assets are long-term investments and not sellable at any time. At launch we plan no daily trading. Whether and when a secondary market emerges depends on demand — we communicate that honestly and promise no liquidity that isn't there.
What's the minimum to start?
From €1,000. The goal is to make real ownership of real assets accessible — not just for the wealthy.