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If your situation changes, update them in your account."},"documents":{"title":"Documents","intro":"Clear, complete photos or scans. Each file up to {{size}} MB.","required":"Required","optional":"Optional","replace":"Replace with another file","uploaded":"Document received","removeTitle":"Remove document","removeText":"Remove {{name}}? You can upload another file afterwards."},"review":{"title":"Review and submit","intro":"Check what you entered. 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Your deposits and reservations will appear in this list.","loadMore":"Show more","date":"Date","type":"Operation","amount":"Amount","awaitingWithdrawal":"Awaiting withdrawal","awaitingWithdrawalHint":"Requested, paid within one or two business days","withdraw":"Withdraw","withdrawCaption":"Withdrawals go only to the account you paid from: {{iban}}. They are paid by bank transfer, normally within one or two business days.","withdrawAmount":"Amount","withdrawButton":"Request a withdrawal","withdrawNoIban":"Withdrawals go to the account you paid from. 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We answer by {{answerBy}}.","ComplaintAnswered":"We answered your complaint {{reference}}.","AccountClosed":"Your account is closed. We keep the records until {{until}}.","KiisAmended":"The key information sheet of {{campaign}} changed. You can cancel your reservation without a reason until {{until}}.","CampaignUpdate":"News from {{campaign}}: {{title}}","CampaignAccessGranted":"Your request to join {{campaign}} was accepted: the whole offer is open to you.","CampaignAccessDeclined":"Your request to join {{campaign}} was declined.","SharesOffered":"New share offer open: {{campaign}}, {{price}} a share.","SharesRegistered":"Your {{shares}} shares of {{company}} are in the register under no. {{number}}.","SophisticationApproved":"You are now recognised as a sophisticated investor.","SophisticationRejected":"Your sophisticated investor request was not approved: {{reason}}","SophisticationLapsed":"Your sophisticated investor status ended after two years without an investment. Renew the loss simulation and the test before your next reservation.","InvestmentSold":"Your investment in {{campaign}} was sold for {{price}}. After {{fee}} in fees, {{proceeds}} reached your wallet.","InvestmentBought":"You bought an investment in {{campaign}} for {{price}}. The next repayments come to you.","OfferExpired":"Your offer of the investment in {{campaign}} ended on {{date}} without a buyer.","OfferWithdrawn":"Our team took your offer of the investment in {{campaign}} off the board. The e-mail says why.","OfferApproved":"Your offer of the investment in {{campaign}} is on the board until {{date}}.","OfferRejected":"Our team turned down your offer of the investment in {{campaign}}. The e-mail says why.","InstallmentOverdue":"{{campaign}} is late with the instalment due on {{dueOn}}. If it stays unpaid after {{payBy}}, the loan goes into default.","ComplaintInformationRequested":"We need more from you on complaint {{reference}}. Answer in your account.","ComplaintProgress":"News on your complaint {{reference}}. We answer by {{answerBy}}.","ComplaintExtended":"The answer to your complaint {{reference}} moves to {{answerBy}}; we wrote why."}},"gate":{"finishTitle":"Finish your verification to invest","finishText":"Before you can invest, we still need:","questionnaire":"Questionnaire about your experience and finances","continue":"Continue verification","reviewTitle":"Your verification is under review","reviewText":"Submitted on {{date}}. We will e-mail you as soon as it is decided.","moreInfoTitle":"The reviewer needs more from you","moreInfoText":"Open your verification, add what is asked and submit it again.","rejectedTitle":"Your verification was not approved","rejectedText":"You can start a new verification with corrected details.","startAgain":"Start again","expiredTitle":"Your verification has expired","expiredText":"Renew it to invest again; your current investments are not affected.","renew":"Renew verification","suitabilityTitle":"Your yearly review is due","suitabilityText":"Renew the loss simulation to invest again; it takes a minute and your current investments are not affected.","suitabilityTestText":"Renew the loss simulation and retake the knowledge test to invest again; your current investments are not affected.","suitabilityAction":"Start the review"},"legal":{"eyebrow":"Legal","version":"Version {{version}}","since":"in force since {{date}}","superseded":"This version has been replaced.","readCurrent":"Read the current version","draft":"Draft.","draftText":"This text is still being prepared with legal counsel and will be replaced before the first offer opens.","notFound":"Page not found","notFoundText":"There is no legal text at this address.","home":"Go to the home page"},"legalUpdate":{"title":"Our terms have changed","intro":"Please read what changed and accept the new version to keep investing.","walletNote":"Until you accept, new reservations are paused. Your wallet stays open: you can withdraw your money at any time.","wallet":"Open the wallet","openInTab":"Open in a new tab","changes":"What changed","agree":"I have read the texts above and accept them.","accept":"Accept and continue","nothing":"There is nothing new to accept.","continue":"Continue"},"countryNotServed":"We do not take investors from this country yet. If you actually live elsewhere, name that country; otherwise write to us. Money you have already paid in can be withdrawn at any time.","invalidIdnp":"No IDNP looks like this: the last digit does not match the others. Check the number on your identity card.","complaints":{"title":"Complaints","intro":"If something went wrong, tell us. You get a reference number at once, and the dates by which we acknowledge and answer your complaint. How we handle complaints:","new":"New complaint","category":"Topic","subject":"Subject","body":"What happened","bodyHint":"Say what happened and how it affected you.","send":"Send the complaint","mine":"Your complaints","none":"You have not made a complaint.","received":"Complaint {{reference}} received.","receivedEmail":"We sent a confirmation to {{email}}.","receivedDeadlines":"We acknowledge it by {{acknowledgeBy}} and answer by {{answerBy}}.","receivedOn":"received {{date}}","dueNew":"We acknowledge it by {{acknowledgeBy}} and answer by {{answerBy}}.","dueAcknowledged":"Acknowledged on {{date}}. We answer by {{answerBy}}.","answeredOn":"Our answer, {{date}}","yourText":"Your complaint","publicTitle":"Make a complaint","publicIntro":"Anyone can complain, with or without an account. You get a reference number by e-mail, and the dates by which we acknowledge and answer. How we handle complaints:","signedIn":"You are signed in. Write your complaint from your account, so we see it next to your investments and you can read our answer there.","openCabinet":"Open my complaints","name":"Your name","who":"Who complains","phone":"Phone","address":"Postal address","addressHint":"Needed only if you want our answer on paper too.","represents":"I complain on behalf of someone else and attach their power of attorney","onBehalfOf":"Whom you represent","onBehalfOfHint":"Their full name, or the company's name and IDNO.","powerOfAttorney":"Power of attorney (PDF or photo)","about":"What it is about","investment":"Investment","investmentNone":"Not about one investment","eventsOn":"When it happened","ask":"What you ask","claim":"What you ask us to do","claimHint":"For example: pay what is due, correct your data, reverse a decision.","damage":"Loss in money","damageHint":"If you can put a figure on it.","currency":"Currency","files":"Files","filesHint":"Up to {{count}} files of up to {{size}} MB each, PDF or image: statements, screenshots, letters.","answerOnPaper":"Also send the answer by post, to the address above","answerOnPaperShort":"Answer on paper","free":"Complaining is free of charge. The standard form, to fill in on paper if you prefer:","extended":"We moved the answer date from {{from}} to {{answerBy}} and wrote why below.","remedies":"If you disagree, you can turn to the National Commission for Financial Markets (www.cnpf.md) or to the courts.","you":"You","team":"Our team","reply":"Your message","replyHint":"Answer our question or add what you remember. Files can go with it.","addReply":"Add to the complaint","sendReply":"Send","contact":"How to reach you"},"insiders":{"title":"Insider investments","intro":"Shareholders, managers and employees of the platform, and the owners of each project, may invest on the same terms as anyone else. Every investment they make is listed here by campaign, role, amount band and month, without names.","none":"No insider has invested yet.","bandUpTo":"up to {{to}}","bandBetween":"{{from}} to {{to}}","bandOver":"over {{from}}","campaign":"Campaign","role":"Role","amount":"Amount","month":"Month"},"close":{"title":"Close the account","intro":"You can close the account when nothing is invested and the wallet is empty. A closed account cannot be opened again.","whatHappens":"What happens","effectSignIn":"Sign-in stops at once, on every device.","effectEmails":"We stop writing to you, apart from the confirmation of the closure.","effectRegister":"Your e-mail address is free again: you can register later as a new investor.","effectRecords":"The law requires us to keep the records of the account (identity, verification, payments, contracts) until {{date}}. After that they are anonymised and the files deleted.","effectDrafts":"Documents uploaded for a verification you never submitted are deleted now.","confirmTitle":"Confirm with your password","understood":"I understand that a closed account cannot be opened again.","submit":"Close my account","blockersTitle":"Before you can close","blockersHint":"Come back to this page once these are settled.","closedTitle":"Your account is closed","closedText":"Thank you for investing with KANTON. We sent a confirmation to your e-mail.","closedRecords":"We keep the records until {{date}}, as the law requires, and anonymise them after that.","closedRegister":"You can register again with the same address whenever you like.","closedHome":"To the home page","toWallet":"Open the wallet","toInvestments":"Open my investments"},"news":{"title":"Project news","showAll":"Show all {{count}}","showFewer":"Show fewer"},"statistics":{"eyebrow":"Track record","title":"Platform statistics","intro":"What has been lent through the platform, what came back to investors and how many loans went into default.","period":"Since the first payout on {{since}}; months of history: {{months}}. Calculated on {{calculated}}.","shortHistory":"European rules (ECSP Art. 20) ask for default rates over at least {{required}} months. The platform is younger, so these figures cover a shorter period and say less about the future.","inCurrency":"In {{currency}}","tile":{"amountLent":"Lent to projects","loansPaidOut":"Loans paid out","investors":"Investors","averageRate":"Average rate","principalReturned":"Principal returned","earningsPaid":"Interest paid to investors","defaultRate":"Default rate by amount","amountWrittenOff":"Written off (lost)"},"states":"Loans by state","state":{"repaying":"Being repaid","repaidInFull":"Repaid in full","inDefault":"In default, collection under way","closedAfterDefault":"Closed after a default"},"byYear":"Default rate by amount, by year of payout","year":{"year":"Year","loans":"Loans","lent":"Lent","defaulted":"Defaulted","rate":"Rate by amount","writtenOff":"Written off"},"none":"No loan has been paid out yet. The figures appear here after the first payout.","methodTitle":"How we count","method":{"lent":"Lent: the principal paid out to borrowers, counted in the year of the payout.","returned":"Returned and paid: principal, interest and late interest that reached investors' wallets; interest after the platform's fee and before tax.","defaulted":"A loan counts as defaulted from the day it goes into default (instalments unpaid for longer than its terms allow), even if the collateral agent later recovers part or all of it.","rate":"Default rate: the principal of the loans that went into default divided by the principal lent, for the loans paid out in that year.","writtenOff":"Written off: the principal still owed when a defaulted loan was closed. This is what investors lost.","scope":"Every campaign counts, including those offered to a closed circle. The average rate is weighted by the amount lent. The figures are recalculated at most once an hour.","past":"Past results are no guarantee of future returns."},"eu":{"title":"Default rate by number of loans (EU method)","intro":"Unlike the rate by amount above, this counts loans rather than money: a large default weighs as much as a small one. By number of loans, for each calendar year: the loans not in default at its start with an instalment due in it, and how many of them went into default during the year (Delegated Regulation (EU) 2022/2115).","window":"Year","loans":"Loans counted","defaulted":"Went into default","rate":"Default rate","average":"Average over the years","outcome":"Expected and actual defaults in {{year}}, by risk category","category":"Category","expected":"Expected","actual":"Actual","notRated":"Not rated","assumptions":"Expected rates are the average probability of default of the loans counted; the assumptions are in the credit risk policy.","policy":"Read the policy","firstWindow":"The first year closes on {{date}}; its default rate is published after that.","none":"No loan has been paid out yet."}},"risk":{"badge":"Risk {{category}}","title":"Credit risk","pd":"Probability of default within 12 months: {{pd}} %","assessedOn":"Assessed on {{date}}","unaudited":"The assessment relies on financial statements that were not audited.","unauditedBy":"The assessment relies on financial statements that were not audited; they were prepared or certified by {{source}}.","scaleCaption":"The platform's scale of accepted categories","disclaimer":"The category is the platform's own assessment, not a rating by an agency and not a guarantee: a loan of any category can default.","method":"How the platform assesses credit risk","badgeHint":"Category {{category}}: a {{pd}} % probability of default within 12 months. The scale and the method are on the campaign page.","ltvTitle":"The loan against its collateral","ltvLabel":"The loan is {{ltv}} % of the collateral's value","valuation":"Collateral value","loan":"Loan","ltvCaption":"loan to collateral value","categoryName":"category {{category}}","refused":"The platform does not accept categories {{categories}}."},"suitability":{"eyebrow":"Yearly review","title":"Your loss simulation and knowledge test","lede":"The law asks us to renew the loss simulation every year and the knowledge test every two years, so the warnings you see when investing match your situation.","done":"Review recorded","doneText":"Thank you. The next review is due by {{date}}.","exempt":"As a sophisticated investor you are not required to renew these; you may still update your figures.","dueTitle":"Your review is due","dueText":"Renew the loss simulation below; until then new reservations wait.","dueTextTest":"Renew the loss simulation and retake the knowledge test below; until then new reservations wait.","simulatedAt":"Loss simulation","testTakenAt":"Knowledge test","nextBy":"next by {{date}}","passed":"passed","notPassed":"not passed","currentCapacity":"Capacity to bear losses","simulationIntro":"Work out your loss capacity again and send the result: each review counts only a new simulation.","testDue":"Two years have passed since your last test: please answer the questions again.","retake":"Retake the knowledge test","retakeHint":"Optional until {{date}}. Passing it removes the extra warning shown when you reserve.","failed":"You did not reach the pass mark","submit":"Save the review","history":"Earlier reviews","netWorthOn":"net worth {{netWorth}} {{currency}} at {{date}}","profile":"Your answers on knowledge, experience and goals","profileHint":"These questions come back with the knowledge test; take the test to answer them again.","testQuestions":"Test questions","referenceOn":"at {{date}}"},"sophistication":{"eyebrow":"Investor class","title":"Sophisticated investor status","lede":"If you have the experience or the means the law names, you may ask to be treated as a sophisticated investor: the limits and warnings for private investors then no longer apply. We answer within 30 days.","sentTitle":"Request sent","sentText":"We will answer by {{date}}, by e-mail and in your notifications.","class":"Your class","since":"since {{date}}","lapsesAt":"The status ends on {{date}} unless you invest before then.","kept":"Your status stays in force.","waiting":"Your request of {{sent}} waits for our decision, due by {{date}}.","verifyFirst":"Finish your identity verification first: we check the request against your verified profile.","warningTitle":"What you give up as a sophisticated investor","warning":{"assessment":"We no longer ask for the knowledge test and the yearly loss simulation, and no longer warn you when an investment does not match them.","largeInvestment":"We no longer ask you to confirm a large investment, one above 1,000 or 5% of your net worth.","limits":"The per-campaign and yearly limits for private investors no longer apply to you.","lapse":"The status ends if you make no investment within two years of being granted it; you are then a private investor again."},"criteriaTitle":"The criteria you meet","criteriaPerson":"Tick the criteria you meet and give the figures: at least two of the three are needed.","criteriaCompany":"Tick the criteria the company meets in its last annual statements and give the figures: at least one of the three is needed.","financialYear":"Financial year of the statements","financialYearHint":"The last closed year: this year or one of the two before.","equity":"Own funds of at least 100,000 €","turnover":"Net turnover of at least 2,000,000 €","totalAssets":"Balance sheet total of at least 1,000,000 €","amountEur":"Amount, €","incomeOrPortfolio":"Gross income of at least 60,000 € a year, or a portfolio of financial instruments, cash deposits included, of at least 100,000 €","grossIncome":"Gross yearly income, €","grossIncomeHint":"For the last fiscal year.","portfolio":"Portfolio, €","portfolioHint":"Financial instruments and cash deposits.","financialSector":"At least one year of work in the financial sector, in a role that needs knowledge of the investments offered here","role":"Role and employer","roleHint":"For example: credit analyst at a bank.","years":"Years in the role","trading":"On average ten or more significant transactions a quarter on capital markets over the last four quarters","tradesPerQuarter":"Transactions a quarter, on average","tradesHint":"Over the last four quarters.","met":"Criteria met: {{met}}, needed: {{required}}","filesTitle":"Documents that show the figures","filesPerson":"Attach what shows each criterion you ticked: an income certificate, a portfolio or account statement, an employment record or a broker statement.","filesCompany":"Attach the annual financial statements of the year named above.","declarationsTitle":"Declarations","protectionLoss":"I have read the warning above and understand the protections I give up as a sophisticated investor.","truth":"I declare that the information and documents I send are true and complete, and I will tell you when they change.","submit":"Send the request","history":"Your requests","sentOn":"Sent on {{date}}","decidedOn":"Decided on {{date}}"},"security":{"title":"Sign-in and security","lede":"How you sign in to KANTON Invest: your address, password, passkeys and the code from the app."},"documents":{"title":"Documents","lede":"Every public document of the platform, in the version in force.","group":{"agree":"What you agree to","rules":"Rules and policies","prices":"Prices","disclosures":"Disclosures","projects":"For project owners"}},"idnpDigits":"An IDNP has 13 digits, no spaces or letters.","profile":{"title":"Profile","account":"Account and security","kycUntil":"Verification valid until","classValue":{"Retail":"Private investor","Sophisticated":"Experienced (sophisticated) investor"},"classHint":{"Retail":"Private investors have per-campaign limits and a knowledge test: this is how the law protects your money.","Sophisticated":"You confirmed your experience and wealth: the limits for private investors do not apply."},"personal":"Personal details"},"help":{"title":"Help","lede":"Answers to the questions every new investor asks, and how to reach us.","faqTitle":"Common questions","contactTitle":"Contact us","contactText":"Write or call us with any question about the platform or a campaign.","contactSoon":"Our contact details will appear here soon. Until then, write to us through the complaint form.","problemTitle":"Something went wrong?","problemText":"Send a complaint: you get a reference number and an answer within the deadlines of the complaints policy.","moreTitle":"More about the platform","faq":{"verification":{"q":"Why do I have to verify my identity?","a":"The law requires the platform to know who invests. The check takes about 10 minutes: your details, a short questionnaire and a photo of your ID. Our compliance team usually answers within one or two business days."},"deposit":{"q":"How do I fund my wallet?","a":"Once verified, the Wallet shows the payment partner's account and your payment code. Make a bank transfer with that code in the payment details, from an account in your own name. The money appears in your wallet once the bank confirms the transfer."},"reservation":{"q":"What happens after I reserve an amount?","a":"The money moves from your wallet to the campaign's separate account at the payment partner. If the campaign reaches its threshold, you sign the loan agreement and the money goes to the project; if not, it comes back to your wallet in full."},"cancel":{"q":"Can I cancel a reservation?","a":"Yes, without giving a reason, within the cooling-off period: the deadline is shown next to the reservation in My investments. The amount goes straight back to your wallet."}}},"funding":{"raisedOf":"{{raised}} of {{max}} {{currency}}","takesPlaceAt":"Goes ahead at {{min}} {{currency}}","minimumReached":"{{min}} {{currency}} threshold reached","minimumMark":"Funding threshold"},"holding":{"sharesHeld":"{{shares}} shares in the register","open":"Your shares","shares":"Shares","atPrice":"at {{price}} per share","stake":"Part of the company","stakeHint":"Your amount over the valuation before the raise plus what the raise brought in","voting":"With voting rights","noVoting":"Without voting rights","ordinary":"ordinary shares","registerTitle":"Register of investors","registerCaption":"KANTON Invest keeps the register of this offer's investors. These are the lines your shares rest on; the extract prints them with today's date.","number":"No.","recordedOn":"Recorded on","kind":"Line","amount":"Paid","extract":"Download the register extract","whatNextTitle":"What happens next","representation":"The platform represents you in the company: it receives the notices of the general meeting, tells you of them and acts for you as the subscription agreement says. Dividends, when the meeting decides to pay them, are shared by the number of shares.","exitPlanned":"The company plans the exit (a buy-back or a sale) {{months}} months after the payout. The date is a plan, not a promise.","exitNone":"No exit date is promised; the shares may be hard to sell."},"card":{"perYear":"a year","months":"months","risk":"risk","amount":"Amount to invest","quick":"Quick amounts","topUp":"Top up","reserveAmount":"Reserve {{amount}}"},"income":{"sub":"For the amount in the card, after the platform's fee and tax","payouts":"Payments by month","payoutsIncome":"Income after fee and tax","payoutsPrincipal":"Your money back","payoutsLabel":"Payments by month, {{count}} in all. Each payment's figures are in the \"By payment\" table.","split":{"title":"Interest over the term:","income":"To you","fee":"Platform fee","tax":"Tax withheld"}},"project":{"funds":"Where the {{amount}} {{currency}} go","fundsLabel":"How the money is split; the amounts are in the list beside it","otherUses":"Other","milestones":"Milestones","milestone":{"done":"done","next":"next"}},"tax":{"title":"Tax on your interest","treaty":"You are tax resident in {{country}}. Under Moldova's tax treaty with it, {{rate}} is withheld from your interest instead of the campaign's rate, for each year we hold your certificate of tax residence.","covered":"Your certificate for {{year}} is on file: this year's payouts are withheld at {{rate}}.","missing":"We have no certificate for {{year}} yet, so payouts are withheld at the campaign's rate. Ask your tax office for a certificate of tax residence and send it to {{email}}; payouts made before it arrives keep the tax withheld from them."},"verify":{"title":"Check a document","lead":"Make sure a record has not been changed since it was anchored in the Bitcoin blockchain.","codeLabel":"Code from the document","codeHint":"12 characters, printed next to the QR code on the register extract","check":"Check","orFile":"or upload the document's PDF","orCode":"or enter the code from the document","fileLabel":"Choose or drop a PDF","fileHint":"The file never leaves your device: its fingerprint is computed in your browser","unreadable":"The file could not be read","outcome":{"Anchored":"It matches","Pending":"It matches, anchoring on its way","Changed":"It does not match","NotFound":"Not found"},"anchored":"This record was exactly like this on {{day}} and has not changed since.","anchoredFile":"This is the same file that was anchored on {{day}}: not a single byte has changed.","waiting":"It matches what the platform holds. Its fingerprint goes into the Bitcoin blockchain early on {{night}}.","paused":"It matches what the platform holds. Anchoring is paused at the moment: the fingerprint goes to Bitcoin once it resumes.","onTheWay":"The fingerprint of {{day}} is on its way into the Bitcoin blockchain: the confirmation usually comes within a few hours.","changed":"The record with this code has changed since it was anchored on {{day}}. The anchored version is kept: download it below with its proof file.","whatToDo":"What to do","changedStep1":"Save the record and the proof file: they show what the record was.","changedStep2":"Write to us: we will look into it and answer in writing.","writeUs":"Write to us","notFound":"No anchored record has this code. Check for a typo: a code has 12 letters and digits, like K7Q4-9F2M-XR31.","notFoundFile":"This file is not among the anchored documents: change a single character of a file and its fingerprint is different. A register extract cannot be checked this way: enter the code printed on it.","record":"Record","recordedAt":"recorded {{at}}","anchoredIn":"Anchored","dayFingerprint":"in the fingerprint of {{day}}","blockchain":"Blockchain","block":"Bitcoin, block {{height}}","confirmedAt":"Confirmed","code":"Verification code","recordFile":"Record (.json)","proofFile":"Proof file (.ots)","privacy":"This page shows no name and no amount: only the kind of record and when it was anchored. The check says nothing about the risks of an investment.","how":{"title":"How to check without us","lead":"The proof file is in the open OpenTimestamps format. Checking it needs neither this page nor the platform, only the public Bitcoin blockchain.","recordSave":"Download the record (.json) and the proof file (.ots) into one folder.","recordOpen":"Open the OpenTimestamps site and drop the .ots file there, then the .json record: it shows the Bitcoin block and the time.","fileSave":"Download the proof file (.ots) into the folder that holds the document.","fileOpen":"Open the OpenTimestamps site and drop the .ots file there, then the document itself: it shows the Bitcoin block and the time.","cli":"Or on the command line:","pending":"Until Bitcoin confirms the fingerprint, the check answers “pending”. Download the proof file again after the confirmation, or update it with ots upgrade.","content":"The .json record shows exactly what was anchored: number, shares, amounts, dates. It holds no names: people and campaigns appear as internal identifiers."}},"anchoring":{"badge":"Anchored in the blockchain","badgeHint":"This campaign's records (register, contracts, signatures, money movements) are anchored in the public Bitcoin blockchain every night. Any of them can be checked by its code.","title":"Blockchain anchoring","confirmed":"Anchored in the blockchain on {{day}}","waiting":"To be anchored early on {{night}}","paused":"Anchoring paused","onTheWay":"Anchoring on its way","check":"Check","caption":"Every night a fingerprint of the campaign's records is written into the public Bitcoin blockchain. After that nobody, including us, can change your record unnoticed. The register extract carries a QR code that opens the check page, and you can check without us too, at opentimestamps.org.","record":{"register":"Register line No. {{number}}","version":"version {{version}}","signature":"Investor's signature on a document","transaction":"Money movement: {{type}}","signatureOf":"Investor's signature: {{document}}"}},"riskWarning":"Investing in a crowdfunding project involves the risk of losing all the money invested.","simulator":{"eyebrow":"Before you invest","title":"Loss capacity simulator","short":"Loss simulator","lede":"Work out how much you could lose without hardship: {{rate}}% of your net worth. Law 181/2023 (Art. 28) asks this of everyone who is not a sophisticated investor. No account needed.","private":"The figures you enter stay in this browser: the platform does not see or store them and cannot change the result. Only the result reaches the questionnaire, and only when you send it.","referenceDate":"Reference date","referenceDateHint":"Usually 31 December of last year. If your situation has changed a lot since then, pick a later day, up to today.","income":"Net annual income ({{currency}})","incomeHint":"All income for the year after tax and contributions: salary, pension, benefits, dividends, interest, rent.","liquidAssets":"Liquid assets ({{currency}})","liquidAssetsHint":"Money in accounts and what you can sell quickly. Property, personal belongings and earlier crowdfunding investments do not count.","commitments":"Annual financial commitments ({{currency}})","commitmentsHint":"Everything you must pay in a year: rent, mortgage, loans, maintenance, insurance, utilities, subscriptions, taxes.","rulesTitle":"What counts: the rules of NCFM decision 46/2/2024","formula":"Net worth = net annual income + liquid assets − annual financial commitments","rules":{"income":"Total income for the year after deducting taxes and social contributions: salaries, unemployment benefits, pensions, dividends, interest on deposits and bonds, rental and leasing income, and the like.","liquidAssets":"Money in savings and current accounts, and assets that can be turned into money easily and quickly: savings products you can draw on within 30 days at most; financial instruments traded on a regulated market; shares of an investment company or units of a fund redeemable at least once a week.","notLiquid":"Not liquid: property; personal belongings (a car, jewellery and the like); contributions to a voluntary pension fund; shares that cannot be freely sold or transferred, including earlier crowdfunding investments.","commitments":"Everything you have committed to pay in a calendar year: maintenance and alimony, rent and mortgage payments, loan repayments, insurance premiums, utilities (electricity, heating, water), subscriptions, income tax and property tax.","referenceDate":"Liquid assets and commitments are valued at 31 December of last year, and income is last calendar year’s. If that date does not reflect your situation accurately, pick a later one, up to today: assets and commitments are then valued at that day, and income is that of the 12 months before it."},"send":"Send the result","sendHint":"By sending it you confirm that you know the result of the simulation. Only the net worth and the reference date go to the platform.","sentTitle":"Simulation result","sentText":"Net worth {{netWorth}} {{currency}} at {{date}}; you could bear a loss of up to {{capacity}} {{currency}}. To change it, recalculate above and send it again.","next":"To invest, the verification questionnaire asks for this result: it holds the same simulator.","toVerification":"Go to verification","toRegister":"Create an account","incomeKind":"This income is","incomePermanent":"Permanent: salary, pension, regular receipts","incomeTemporary":"Temporary or irregular","temporaryNote":"The income is temporary: if it stops, the amount you could lose without hardship becomes smaller."},"market":{"title":"Secondary market","intro":"Investors offer their running investments to each other here. You buy a whole investment at the seller's price and take the seller's place for every repayment still to come.","notice":"This is a bulletin board. KANTON Invest is not a trading venue: it does not match buyers and sellers, does not set or suggest prices and does not buy investments itself. Each price is the seller's own.","closed":"The secondary market is not open at the moment.","offers":"Offers","none":"No offers right now.","own":"Your offers","ownHint":"Our team checks each new offer before it reaches the board. It then stays there until it is sold, you take it back or its date passes.","rate":"Rate","left":"Instalments left","lastDue":"Last payment","outstanding":"Principal still owed","price":"Price","percentOfOwed":"{{percent}} % of the principal owed","yield":"Yield at this price","yieldHint":"The annual rate at which the payments still to come, after the platform's fee and before tax, are worth the price today. Arithmetic on the seller's price, not advice.","perYear":"{{rate}} % a year","until":"On the board until {{date}}","view":"View offer","withdraw":"Take back","withdrawTitle":"Take the offer back?","withdrawCaption":"The offer ends and the investment stays yours.","withdrawn":"Offer taken back","buyTitle":"Buy this investment","summary":"You pay {{price}} from your wallet and take the seller's place for the {{count}} instalments still to come, the last on {{date}}. The purchase settles at once.","confirm":"I have read the key investment information sheet and the risk warning, and I accept the assignment of this investment at this price.","capRoom":{"Project":"Under the per-project limit for a private investor you can still buy {{amount}} in this project.","TwelveMonths":"Under the 12-month limit across all campaigns you can still invest {{amount}}.","LossCapacity":"Within your capacity to bear losses you can still invest {{amount}}."},"limitAck":"I confirm that over the last 12 months, this purchase and other crowdfunding platforms included, my crowdfunding investments stay within the yearly limit of 10,000 € for a private investor.","buy":"Buy for {{price}}","bought":"Investment bought","cannotBuy":"This offer cannot be bought now","shortfall":"Your wallet is short by {{amount}}.","sellTitle":"Offer this investment for sale","sellIntro":"You offer the whole investment. 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