The trade finance fintech was offering a fixed return of 4.5% per annum on its zero-coupon bonds, aiming to raise a minimum €200,000. Due to exceptionally strong demand, ETFL closed its Series 6 crowdfunding round at €335,000 for a 67.5% overfunding.

During 2025, ETFL raised a total of €575,000 in 3 crowdfunding rounds, bringing its total fund raises via crowdX to €910,000.

ETFL provides alternative finance solutions to suppliers in Cyprus and abroad, selling their products on credit by securing credit insurance from Allianz Trade and Atradius to cover its risk. Based on this operating model, ETFL does not require personal guarantees, or mortgages from businesses. The only collateral is the assigned invoices. The duration of the bonds was one year, maturing 30^th March 2027. ETFL gives the option of early exit for investors looking to redeem their bonds before maturity.

CrowdX (https://www.crowdx.eu/) is an EU Crowdfunding Service Provider (license number CSP 2/24 from CySEC) helping EU based companies raise money to finance the expansion of their business, or for working capital use via equity or debt issues from retail investors.

Following the latest crowdfunding success, the total amount of money raised by crowdX for its clients is now €3,135,000 making it the largest and most successful crowdfunding platform in Cyprus.

Small investors may invest in any deal on the CrowdX platform from as little as €1000 without paying any account opening, brokerage, custody or other fees.

CrowdX is the trading name of Eurivex Ltd (https://www.eurivex.com/), an EU Investment Firm authorized and regulated since 2010 by the Cyprus Securities and Exchange Commission (CySEC) under license number 114/10 for the provision of investment services.

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“Tokenisation and Crypto in Cyprus real estate” was the theme of a major corporate event organised and hosted by Eurivex /CrowdX, which was held at the Cleopatra hotel in Nicosia on 2 March 2026.

The event covered on attracting foreign investors to Cyprus, the tax issues related to crypto and tokenisation transactions, the tokenisation and issue of security tokens and flow of funds when foreign investors decide to invest in Cyprus property in crypto.

Tokenization

Yervant Bohdjalian, Head of Digital at Eurivex explained that tokenization is the process of creating a digital representation of a real asset. The real estate tokenization market is projected to reach $1.7 trillion by 2027, growing at 25% annually.

“Everyone acknowledges that digital securities are the future,” said Yervant, adding that as property and other asset prices continue to move higher, project owners need to find new ways to attract investments and find alternative financing solutions.

“The Cyprus property market is facing the same challenges. As prices continue higher, one of the most effective alternatives is to tokenize the property and offer it to hundreds of investors,” said Yervant.

Instead of acquiring a complete apartment, the investor buys fractional shares. Each token entitles the investor to receive a proportional share of the income generated by the property (rents, capital gains from sales, etc.).

This makes real estate investment much more accessible, especially for those who do not have large sums of money.

Security tokens (digital securities representing real assets) are key to this model. Thanks to blockchain, many of the processes in the real estate sector can be digitized, reducing costs and increasing transparency.

Flow of funds

One of the major issues confronting Cyprus developers and project owners is how to accommodate and accept transfers in crypto from both foreign and local investors interested in acquiring Cyprus real world assets such as property or Cyprus company shares.

Shavasb Bohdjalian, CEO of Eurivex explained how project owners and investors can benefit from the regulated umbrella offered by Eurivex, for protection of assets, onboarding and project submission to conversion of crypto investments into euros, and delivery to the IBANs of the project owners.

“The last thing you want to tell a potential investor or buyer is that you don’t accept crypto, or even worse, direct them to a grey market operator, and thus risk losing the investment or seeing it get blocked, and or suspended,” added Shavasb.

Eurivex offers a regulated and very reasonably priced method to overcome the obstacles and facilitate the smooth flow of funds from start to finish.

Taxation of crypto in Cyprus

The recent tax modernisation has created a more transparent methodology of how gains from crypto assets are taxed, said Valentinos Pavlides, Partner, Tax Services and Transfer Pricing at Bakertilly, adding “we have clarity that gains from crypto trading or appreciation is now subject to 8% tax.”

Pavlides made an in-depth analysis on how crypto taxation features in the overall taxation of a Cyprus company, with the headline corporate tax having increased to 15%. He also explained that following the tax modernisation, the general tax-exempt amount has increased to €30,000 and €150,000 from the disposal of main residential home.

Attracting foreign investors

Marios Tannousis, Director General of Cyprus Invest told delegates that Cyprus has achieved outstanding credit ratings from Moody’s A3, and A- from S&P Global and Fitch on the back of fiscal discipline.

The ICT and FinTech sectors have attracted many global names including MUFG and Murex to name a few. Cyprus has 40+ EU trade agreements and 65+ double tax avoidance treaties and boasts a growing digital and R&D ecosystem, added Tannousis.

“We want and aim to make Cyprus to be one of the world’s best countries to live, work and to do business,” said Tannousis.

Eurivex AI tools

Eurivex integrates advanced AI tools to enhance risk assessment, liquidity management, and investor matchmaking. These AI-driven solutions provide real-time insights, automate trading strategies, and optimize tokenized real estate investments.

Our Advantage

1) Eurivex is CySEC regulated EU Investment firm operating since 2010.

2) We provide the blockchain infrastructure, including the setting up the Smart Contracts, Multi-chain interoperability (Ethereum, Solana)

3) AI driven fraud detection which prevents hacking and other fraudulent activity.

4) Real-time transaction monitoring, wallets fully integrated to AML/KYC and ability to conduct source of wealth

5) Fractional ownership support, full integration with tokenised property ownership.

6) Acceptance of crypto or fiat transfers from investors, foreign and local, that are automatically converted to euro and delivered to the IBAN of project owners in Cyprus.

7) Very reasonable costs to setup and manage the whole process, significantly much cheaper than the grey area operators.

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CrowdX (https://www.crowdx.eu/) is an EU Crowdfunding Service Provider (license number CSP 2/24 from CySEC) helping EU based companies raise money to finance the expansion of their business, or for working capital use via equity or debt issues from retail investors.

Small investors may invest in any deal on the CrowdX platform from as little as €100 without paying any account opening, brokerage, custody or other fees. More than 250 investors participated in the crowdfunding projects on CrowdX.eu.

The Corsair Capital Holding N.V. equity crowdfunding campaign was the top performer raising a total of €625,019 on the CrowdX platform. Corsair Capital is the fund-raising arm of the Corsair Group, the leading plastic waste to energy operator with production facilities in Europe and Asia, now expanding to the US and Canada.

ETFL Limited, the trade finance fintech offering finance to Cypriot and overseas companies selling goods and services on credit of up to 120 days was the second most popular company on CrowdX platform raising a total of €575,000 in 3 crowdfunding rounds. ETFL provides alternative finance solutions to suppliers in Cyprus and abroad, selling their products on credit by securing credit insurance from Allianz Trade and Atradius to cover its risk. Based on this operating model, ETFL does not require personal guarantees, or mortgages from businesses. The only collateral is the assigned invoices.

CrowdX is the trading name of Eurivex Ltd (https://www.eurivex.com/), an EU Investment Firm authorized and regulated since 2010 by the Cyprus Securities and Exchange Commission (CySEC) under license number 114/10 for the provision of investment services.

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Operating under the Cyprus Securities and Exchange Commission (CySEC) & Crowdfunding service providers (CSPs), CrowdX provides an efficient, transparent, and legally compliant crowdfunding solution for businesses seeking alternative financing. Whether you’re an entrepreneur with a disruptive idea or an established company looking to fund your next growth phase, CrowdX offers a direct bridge between project owners and investors.

A Gateway to Diverse Funding Opportunities

The world of financing is evolving, and crowdfunding has emerged as a game-changing alternative. It enables companies to raise capital through a broad network of investors instead of relying on a single financial institution. This approach not only diversifies risk but also accelerates the funding process.

At CrowdX, we provide companies with a streamlined process to launch their fundraising campaigns and connect with a wide range of investors. From early-stage startups to businesses scaling internationally, we facilitate funding across various industries.

Who Can Raise Funds on CrowdX?

Startups looking for seed capital to bring their ideas to life
SMEs seeking expansion funding
Established companies raising capital for new projects
Real estate developers financing property acquisitions or development
Trade finance firms securing liquidity for cross-border transactions

Unlike traditional fundraising routes, CrowdX democratizes access to capital, allowing businesses to pitch directly to investors without unnecessary intermediaries.

Specialization in Trade Finance and Real Estate

While CrowdX is open to all sectors, we have a proven track record in trade finance and real estate, two of the most critical economic drivers in Cyprus and Europe.

Trade Finance – CrowdX has successfully facilitated funding for trade finance projects, helping businesses gain liquidity to scale their operations across borders. With increasing globalization, securing financing for import-export businesses can be complex. Our platform allows companies to raise capital through equity or debt instruments to fuel their trade activities.

Real Estate – Real estate crowdfunding has become an increasingly popular way for investors to participate in property projects without needing to commit large amounts of capital. Whether it’s commercial developments, residential properties, or infrastructure projects, CrowdX has helped real estate developers unlock financing through its investor community.

With €1 million raised within just five months in 2024, we have demonstrated our ability to connect businesses with the right investors to achieve their goals.

How Does It Work?

Launching a fundraising campaign with CrowdX is simple:

1- Submit Your Application – Businesses can apply for funding by providing details about their project, financials, and funding goals.

2- Get Verified & Approved – CrowdX’s team, in compliance with CySEC regulations, conducts due diligence to ensure all projects meet transparency and legitimacy standards.

3- Launch Your Fundraising Campaign – Once approved, your campaign goes live on the CrowdX platform, allowing retail investors to invest from as little as €100.

4- Raise Capital & Grow – Once your funding target is reached, funds are released, and your business can begin executing its project.

We also provide ongoing support to help businesses navigate their funding journey and maximize their success.

With over €1 million raised in just five months in 2024, CrowdX is proving to be the go-to platform for businesses seeking growth capital in Cyprus and beyond.

Join the CrowdX Community

If you’re an entrepreneur, SME, or established business looking for funding, CrowdX is your trusted partner. Our crowdfunding platform provides a secure, transparent, and efficient way to raise capital.

Ready to take your business to the next level?
Visit our Fundraise page and start your journey today.

Have questions? Contact our team for personalized guidance on how CrowdX can support your fundraising needs.

Website: www.crowdx.eu

Empower your vision with CrowdX—where ideas meet investment.

The post Empowering Innovation: CrowdX – The Alternative Crowdfunding Platform for Raising Funds appeared first on CrowdX.

The bonds, guaranteed by G&P Lazarou Estate Agents Ltd, offer an annual return of 6.5%, with a 1-year maturity period, presenting an attractive and secure investment opportunity for individuals looking to diversify their portfolio.

Easystart’s objective is to secure popular plots in urban areas at distressed prices and make a quick turnaround by offering the properties for sale or cooperating with reputable construction companies for their development, with the aim of selling at attractive prices.

The bonds have issue date 10 February 2025 and maturity date 9 February 2026. The bonds will be issued at a discount and redeemed at par achieving a tax-free return of 6.5%.

Key Advantages of the Bond Offering

• • Annual Return: 6.5%, tax-free, received as capital gain upon maturity.
• • Maturity Date: 9 February 2026.
• • Minimum Investment: €939,89 (equivalent to 1,000 bonds).
• • Subscription Period: 10 Feb 2025 – 10 March 2025.
• • Tradable Bonds: Bonds are tradable on the CrowdX Secondary Market, offering enhanced liquidity and flexibility for investors.
• • Proven business model: G&P Lazarou and Easystart accomplish the vision of Petros Lazarou by buying properties at low prices, and then by cooperating with reputable property development and construction firms, complete the projects on time and deliver to the market to allow customers to purchase properties at better prices than those offered by others.
• • Low-Risk Investment: This issue is guaranteed by G&P Lazarou Estate Agents Limited, wholly owned by Petros Lazarou.

How to Participate

To invest, you must register and complete a simple verification process on the CrowdX.eu platform. CrowdX ensures a secure, transparent, and user-friendly process for all investors.

For full details, visit the official CrowdX platform at www.crowdx.eu/live-deals.

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With emphasis placed on offering investors exciting investment opportunities from as little as €100, crowdX places particular emphasis on allowing only financially strong companies to its crowdfunding platform while at the same time offering the deals without any charges on investors who enjoy zero onboarding, zero brokerage and zero custody fees.

During 2024, the companies listed on crowdX.eu successfully raised a total of €1,060,721. These included ETFL Ltd, the fintech offering alternative funding solutions to companies involved in both international and domestic trade, Avanti Residence and Sanoel Residences, involved in the construction of luxury apartment blocks in Nicosia.

ETFL raised a total of €510,721 in two funding rounds during the year, offering investors a 4.5% annual return on one-year bonds which was overfunded for a total amount of €310,721 and 5.50% bonds for a total of €200,000. More info at ETFL TF2.

Avanti Residence, which was offering a combined fixed return of 5.0% per annum on its bonds plus profit participation for a total return of up to 12.78% successfully raised €300,000. More info on Avanti.

Sanoel Residence, which was offering a fixed return of 8.5% per annum successfully raised €250,000, with the construction works expected to be completed in April 2025. More info on Noel Residence.

More exciting deals are to be expected during 2025 as crowdX aims to broaden its range of offerings with the objective of offering all types of investors investment opportunities starting from as little as €100.

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ETFL provides trade finance without asking the SME owners to give personal guarantees or mortgage assets. The only collateral is the invoices issued to the SME customers which are assigned to ETFL.

ETFL’s clients assign the credit invoices issued to their customers (debtors) to ETFL and receive pre-payment up to 85% of the invoice value to cover their working capital needs. When the debtor settles the invoice by paying the total amount to ETFL, the latter advances to the client the non-discounted element of the invoice less ETFL’s charges.

Security of assets

When a supplier wishes to become a client of ETFL, it informs ETFL about the identity of all its debtors, the projected volumes of business for each customer and the offered credit terms.  ETFL then applies to Allianz Trade or Atradius, the two global credit insurers for specific credit limits on those debtors. This means that in the unlikely event that any one of those insured debtors were to default, then ETFL would submit a claim to the credit insurers and recoup the money that it had prepaid.

This means that in the event of default of a trade debtor, the non-collected amount will be recovered from the credit insurer, thus avoiding losses. Essentially, the risk of default of the trade debtor in Cyprus is shifted to the two global credit insurers.

High return on secure bonds

ETFL was offering investors the opportunity to invest in Trade Finance products with the objective to earn better returns than those offered by commercial banks. Investors can invest from as little as €1,000 and earn 4.5% per annum on secured bonds, considering that the underlying assets have been credit insured with Allianz Trade and Atradius, the global multinationals, which reduces the risk of default to zero.

The campaign was active from November until end of December 2024. The Company raised a total of €310,721 as the campaign was overfunded above the original target of €300,000.

Advantages for investors

ETFL was offering attractive benefits for the investors who invested via https://www.crowdx.eu/investments/etfl-tf2/ such as:

1. High Return: Investors are receiving 4.5% per annum interest with the ability to exit sooner by giving 30-day notice.
2. Secure bonds: Underlying assets are credit insured with Allianz Trade or Atradius, which means that if any of the debtors of ETFL’s clients were to default, ETFL would make a claim and recover the money.
3. Early Exit Options: Investors can exit earlier by giving 30-day notice or trade the bonds on the CrowdX Secondary Market.
4. Low Entry Investment: Investors can invest from as little as €1,000.
5. No Hidden Fees: There are no entry, brokerage or custody fees. Investors receive lower interest rate, only if they decide to exit earlier than the one-year maturity.
6. Proven Track Record: The management team of ETFL has more than 100 years combined experience in the trade finance and financial industry.
7. Aligned Interests: ETFL invests its own money in the same deals.
8. Tax benefits: Capital gains are tax exempt for local residents and apply for this investment.

About CrowdX

CrowdX operates under the European Crowdfunding Service Providers (ECSP) regulation, with license number CSP 2/24 from the Cyprus Securities & Exchange Commission (CySEC).

CrowdX provides crowdfunding services across the EEA to investors looking to invest in promising investment opportunities as well as to project owners looking to raise funds.

CrowdX is owned by Eurivex Ltd, a regulated Cyprus Investment Firm, located and operating from Cyprus. For further information please contact info@crowdx.eu.

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The campaign was active from 1st until 20th December 2024 and forms part of the overall budget to construct a luxury block of residential apartments situated in the Lycavitos area of Nicosia. The construction works is expected to finish in April 2025.

Advantages for investors

Noel was offering attractive benefits for the investors who invested via https://www.crowdx.eu/investments/noel/ such as:

• Fixed return of 8.5% per annum with the bonds maturing 30^th December 2025.
• The bonds were issued at a discount at 0.92166, allowing investors to book the return as capital gains and enjoy the tax advantages to the full.
• Flexibility to invest from as little as €1,000.
• Zero onboarding, zero brokerage and zero custody fees. No hidden fees.
• Mortgage free and borrowing free property.
• Crowdfunding proceeds of €250,000 account for only 15% of total project cost.
• Exit anytime through the CrowdX Secondary Market, subject to other investor demand.

More information on the project is available at https://www.crowdx.eu/investments/noel/

About CrowdX

CrowdX operates under the European Crowdfunding Service Providers (ECSP) regulation, with license number CSP 2/24 from the Cyprus Securities & Exchange Commission (CySEC).

CrowdX provides crowdfunding services across the EEA to investors looking to invest in promising investment opportunities as well as to project owners looking to raise funds.

CrowdX is owned by Eurivex Ltd, a regulated Cyprus Investment Firm, located and operating from Cyprus through its website at https://www.crowdx.eu/. For further information please contact info@crowdx.eu

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Crowdx.eu is thrilled to announce an upcoming investment opportunity that combines stability and attractive returns. Investors will soon have the chance to earn 4.5% p.a. through secure bonds offered by ETFL which is involved in invoice discounting and trade finance factoring services. Operating since 2018, ETFL has successfully supported both domestic and international trade finance.

Why Invest?

With a robust track record and zero defaults, ETFL’s bonds provide a reliable way to grow your investment while keeping risk to a minimum. Here is a snapshot of the advantages on offer:

Advantages at a Glance

1. High Return: Earn 4.5% per annum on a 1-year bond maturity.
2. Secure bonds: Underlying assets insured by top-tier firms Allianz Trade and Atradius, providing added security to investors.
3. Early Exit Options: Investors can exit earlier by giving 30-day notice or trade the bonds on the CrowdX Secondary Market.
4. Low Entry Investment: Start from as little as €1,000, making it accessible for a wide range of investors.
5. No Hidden Fees: Enjoy zero entry, brokerage, or custody fees, ensuring maximum return on your investment.
6. Proven Track Record: Since 2018, ETFL has operated with zero insurance claims and zero defaults, demonstrating reliability and performance.
7. Aligned Interests: ETFL invests its own funds alongside its investors, ensuring interests are fully aligned.
8. Tax benefits: Capital gains are tax exempt for local residents and apply for this investment.

ETFL is committed to offering investors a secure, transparent, and profitable option to grow their wealth. Stay tuned for more updates on this exciting opportunity as we prepare to launch.

The post “Coming Soon” ETFL Unveils New 4.5% Bond Investment Opportunity with Full Security in Trade Finance appeared first on CrowdX.

A core challenge in private project investment is understanding the risks involved and determining whether the projected returns are achievable. Does the company have the resources to meet their business plan targets, make annual coupon payments on debt, or successfully execute an exit strategy for equity offerings? These questions are essential to consider, as the risks in private investments can be as high as those in public markets, where listed companies face similar operational risks and are equally vulnerable to failure.

My Essentials List for Crowdfunding Investment Decisions

1. Know the Business Model

Like Warren Buffet, I invest only in businesses I understand. This means being able to clearly see the growth potential of the project before committing funds.

2. Look for Clear Communication

My next step is determining if the project owner can clearly communicate their business, current status, and long-term goals without resorting to jargon. Confusing language often suggests a lack of transparency, and I avoid such investments. Many confusing white papers I’ve encountered have belonged to companies that later failed to meet their targets.

3. Analyze the Key Investor Information Sheet (KIIS)

The KIIS is a critical tool, providing details on:

• The company’s structure, primary shareholders, and board composition
• Business focus and rationale for the fund-raise
• Fund allocation and expected benefits to shareholders
• Interest rates, fees, and net returns for debt investments
• Risks, potential losses, and overall investment categorization
  A clear KIIS allows investors to assess both potential returns and risks.

4. Examine Financial Statements and Valuation Justification

Audited financial statements show the company’s financial health, leverage, and past performance. I look closely at how a company is valued—whether based on historical performance or projected earnings using discounted cash flow methods. A high valuation without substantiation is a red flag.

5. Evaluate the Project Owners and Management Team

I examine the expertise and market position of the project owners and management team. Established firms with a solid track record provide confidence. However, a well-founded startup led by experienced professionals from similar backgrounds can also be attractive if the projections are reasonable.

6. Assess the Scalability of the Product or Service

Scalability matters. A project’s potential for expansion—whether it’s limited in scope or has the potential to reach a vast audience—is a key factor in my decision-making.

7. Understand Drawdown Risk and Portfolio Impact

Finally, I assess the potential for loss. What contingency plans are in place if things go off course? Can my portfolio sustain a hit or even a total loss from this investment? As the saying goes, “If you can’t afford to lose, don’t invest.” A diversified portfolio can help cushion against such risks, and the KIIS should categorize investment risk for clarity.

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