Konvi is an auction-first investment platform that gives users access to fractional opportunities in real assets such as watches, jewellery, art, comics, property, and other collectibles. Konvi allows investors to participate in these auctions starting from only €250.

What does “auction-first” mean?

Konvi opportunities are built around real auction events. Users participate in a minimum bid on an asset before it goes to auction. From there, the outcome depends on what happens during that auction.

What am I actually investing in?

You are investing in a share of a real auction opportunity tied to a specific asset. Depending on the outcome, this becomes either:

• a share of auction upside, or
• a share of the asset itself

Konvi gives users access to real auction opportunities in assets that are typically difficult to access individually. The model is built around four simple ideas:

1. Access to real opportunities

Konvi connects users to assets that are usually sold through specialist auction houses and private networks. These are often difficult to access without significant capital or industry connections.

2. Auction-driven entry points

Because opportunities are structured around real auction events, users are entering at a defined moment with a clear price level (the minimum bid). This can create opportunities to benefit from strong bidding or to acquire assets at a competitive level.

3. Diversification into real assets

The assets on Konvi are physical, collectible, and often behave differently from traditional markets like stocks or crypto. This can help users gain exposure to a different type of investment.

4. Potential for two types of outcomes

Each opportunity has two possible paths:

• If bidding goes higher, users benefit from the upside created at auction
• If it does not, users collectively acquire the asset and hold it for a future sale

Konvi is designed to make it easier to access and participate in real asset opportunities that are typically only available through specialist networks and auction houses.

You can find the key information about each investment opportunity that is open or has already been closed in our user-friendly IOS, Android, or Web applications. Before each IAO (Initial Asset Offering), you can place a reservation on the ownership you want to purchase to get priority access to the investment once it's open.

Konvi sources opportunities through its partners and structures them around real auction events. Each opportunity is presented clearly in the app, including the auction house and tier, and the auction context.

Users can participate from a relatively low entry point and join other investors in backing that bid.

Once the opportunity is fully funded, users are shown the final details and vote on whether to proceed with the guarantee. If approved, Konvi places the guarantee on behalf of the group.

From there, one of two things happens:

• If bidding goes higher, the asset sells and users receive their share of the upside
• If bidding does not go higher, the group acquires the asset and becomes fractional co-owners

If an asset is acquired, Konvi works with its partners to handle authentication, custody, insurance, and ongoing management. Users hold their fractional ownership while the asset is managed for a future sale, and they vote on key decisions such as when to sell.

When the asset is eventually sold, any net returns are distributed proportionally based on each user’s ownership.

Konvi also prioritises trust and security, with identity verification and secure payment processing in place for all users.

The Konvi team knows its strengths and weaknesses. We have all purchased assets with positive returns, but we believe industry experts have the best results. Therefore, we partner with leaders in the field such as Phillips. With decades of experience in auctions around the world and in multiple asset classes, they are trusted by their customers to manage millions in assets.

When you purchase ownership in an auction guarantee, you become part of the Collective Investor Group (CIG) who owns the asset or guarantee directly. This implies your stake is not linked to the liability of Konvi or its partners. Giving an extreme example this means in the unlikely event that Konvi goes bankrupt, the separate legal entity will not be affected, and your ownership of the physical asset will be completely protected.

While Konvi is not regulated as a bank or investment firm, we’re proud to be registered as a Schedule 2 Firm with the Central Bank of Ireland (register code C462206) for the purposes of the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010-2021. As a company monitored by the CBI, Konvi operates to the highest standards and guidelines, to protect our customers against unlawful practices such as Money Laundering.

Ultimately, you, the investors, select the assets to be purchased on Konvi. This is done through a voting system where you will decide on things like purchase, storage, insurance, and sale of the asset. Konvi works closely with our experienced partners to help make this process easier for you. We factor in rarity, originality, value, brand significance and additional data-driven factors. When looking at what items to offer to investors, we make sure they meet one or more of the following factors:

• Queue cutting: purchasing items before they hit the market.
• Extreme limited edition: pieces only VVIPs can access, therefore money can’t buy them.
• Provenance pieces: worn by royalty or historical figures, e.g. Napoleon's carriage clock made by Breguet.
• Price advantage: purchases under retail value that are guaranteed to increase in value straight away.

Konvi works with a network of experienced partners, including auction houses, dealers, and specialists, to source opportunities that are already coming to market through real auction events.

Each asset is reviewed using both expert insight and data, with a focus on factors such as rarity, provenance, condition, brand significance, and expected auction performance.

The goal is to identify opportunities where a minimum bid can be set at a level that makes sense within the auction process.

By working with specialists across different asset categories, Konvi ensures that each opportunity is backed by relevant expertise rather than individual opinion.

Once an opportunity is structured, it is presented to users in the app, where they can review the details and decide whether to participate.

Konvi focuses on real, tangible assets that are typically sold through specialist auction houses, including categories such as watches, jewellery, art, comics, luxury assets, and selected property opportunities.

Konvi may sometimes need to take a stake in certain assets for operational reasons. In these circumstances, and in order to maintain the seperation of decision-making around an asset between Konvi and its users, Konvi will waive its voting rights when it comes to the purchase, management and sale of the asset. Konvi will look, where possible, to sell its share in any asset to Konvi investors at the earliest possible opportunity. Konvi's ownership of any asset will not impact the ownership or voting rights of the other investors of that asset.

We (Ioana & Eran) are two investment enthusiasts who have experience working with financial systems at large corporations. After following the luxury collectibles market, and experiencing lower appreciation of our assets than Konvi’s partners are offering, we decided to bring rare, luxury assets to everyone. We set out to leverage our experience in startup strategy, software and product development to democratize the luxury market by lowering the minimum entry barriers from ~€250,000 to an amount as low as 250€.

A Boosted Auction is a one-time opportunity for new users to take part in a Konvi auction with 5x boosted upside.

It follows the same structure as a normal auction, where investors pool funds to support a minimum bid on a real asset. There are two outcomes:

• If bidding goes higher - you receive your share of the upside, boosted 5x
• If it doesn’t - you become a fractional owner of the asset

For your first auction:

• Your upside is boosted by 5x
• Returns are uncapped and increase with auction performance
• You can invest from €100 instead of €250
• The opportunity is limited-time only

If a normal auction return is 8%, your boosted return becomes 40% (5x).

• €100 investment - €8 return (normal)
• €100 investment - €40 return (boosted)

If the auction doesn’t go above the minimum bid, the group buys the asset, just like a normal Konvi auction.

Boosted Auctions are not a different product — they are a promotional layer on top of the standard Konvi auction model.

You are still:

• Investing in a real auction with a real asset
• Participating in either upside or ownership
• Accessing opportunities through established auction houses (e.g. Tier II specialist Metropolis New York)

The boost simply enhances your first experience by increasing potential returns, while keeping the same structure, risks, and outcomes as every other Konvi auction.

Fractional ownership is where a group of investors purchase a percentage share of a high value asset. The owners have control over the purchase, storage and sale of the asset and can vote on any of these topics. This allows anyone to diversify their financial portfolio with physical assets such as luxury watches, art or real estate.

When you invest in a Konvi opportunity, you become a member of the Collective Investor Group (CIG) for that specific asset.

If the group acquires the asset (because no one bids higher at auction), the CIG becomes the legal owner of the asset, and you hold a fractional ownership share within that group.

The CIG is the structure that holds the asset on behalf of all participating investors. It allows multiple users to invest together while maintaining clear ownership of the asset.

The asset held by the CIG is structured separately from Konvi. This means your ownership is tied to the asset itself, not to Konvi’s own assets or liabilities.

You can find the legal structure and documentation for each opportunity within the Konvi app.

The timeline depends on what happens at the auction.

If the auction goes above the minimum bid, this is the shorter outcome. Users typically receive their share of the upside after the auction settles, usually within about one month.

If the group acquires the asset, the investment becomes longer term. The asset is held within the Collective Investor Group (CIG) and managed for a future sale. Users vote over time on whether to sell or continue holding, depending on market conditions.

When the asset is sold, proceeds are distributed to all investors based on their ownership share.

Early liquidity is not always guaranteed. However, Konvi is working on and introducing options, such as secondary market or vault-based structures, that may allow users to sell their stake before the group exits, depending on the specific opportunity.

Fees depend on what happens at the auction and the structure of the opportunity.

If the auction goes above the minimum bid

If another bidder goes higher, the asset is sold and users receive their share of the upside. In this case, Konvi does not take a fee.

If the asset is acquired by investors

If no one bids higher and the Collective Investor Group (CIG) acquires the asset, Konvi charges a fee at the time of investment. This covers sourcing, structuring, and ongoing management of the asset, including storage, insurance, and administration.

Fees can vary depending on the specific opportunity. Full details are always provided in the Key Information Document (KID) for each asset.

Additional fees:

• Entry fee (optional): An entry fee of up to 1% may apply when investing. This is deducted from the order amount and may be waived for larger portfolio sizes.
• Payment fees: Payments made by credit card may incur a fee (typically 1–3%). Bank transfers usually do not carry this fee.

When you invest in a Konvi opportunity, you become a member of the Collective Investor Group (CIG) for that asset. If the asset is acquired (because no one bids higher at auction), the CIG becomes the legal owner, and you hold a fractional share within that group.

As a member, you vote on key decisions such as whether to proceed with the purchase, when to sell, and whether to accept sale offers. Konvi manages the process, but decisions are made collectively by investors.

The asset is held within the CIG, which is structured separately from Konvi and its partners. This means your ownership is tied to the asset itself, not to Konvi’s own assets or liabilities. You can access the legal documentation for each opportunity within the Konvi app.

All investments carry risks and while we partner with funds that have historically performed well, co-ownership of luxury assets is no different, so it's important that you understand them. The value of your assets can fluctuate—in both directions. Furthermore, while past performance can be an indicator it does not guarantee future returns.

On the primary market, there is no guarantee the item is sold at the predicted price - it can be both higher or lower. For more detailed information on possible risks please refer to our risk notice.

When you purchase ownership in an asset, your ownership is held independently of Konvi. This implies the liability of your stake in the asset is not linked to the liability of Konvi or its partner funds. Giving an extreme example this means in the unlikely event that Konvi goes bankrupt, your ownership will not be affected and your shareholding of the physical asset will be completely protected. In this unlikely event, a custodian in place of Konvi will be appointed based on a predetermined criteria which prioritises competence, capacity and requisite skills to discharge the duties. The custodian appointed by Konvi in accordance with the constitution will be entitled to a fee which Konvi will ordinarily cover. However, where there are any unforeseen circumstances where other costs emerge which are billable, the custodian shall bill accordingly and in that case, the members of the CIG shall bear such extraordinary costs. Konvi's procedure as backed up by its constitution has implemented adequate safeguards to ensure its obligations to the customers are administered effectively even in Konvi's absence For more detailed information on possible risks, please refer to our risk note.

Konvi provides investors with clear and detailed statements of their investments. You can access both your Portfolio Statement and Wallet Statement directly from the Settings section of the app.

Portfolio Statement - Here you will be able to view details of your investments, including Investment, Exited, and Yield

• Investment – The amount invested in an asset, inclusive of any applicable discounts
• Exited – The amount returned to you upon the successful exit of an asset
• Yield – Yield payments earned from an asset

Wallet Statement - Here you will be able to view details of all transactions to and from your Konvi Wallet, including Payment, Exit, Yield, and Payout

• Payment – Funds paid from your Konvi Wallet towards an investment on the app
• Exit – The amount credited to your wallet following the successful exit of an asset
• Yield – Yield payments earned and credited to your Konvi Wallet
• Payout – Withdrawals made from your Konvi Wallet. This may include payments that are still processing prior to being received in your bank account

You can choose to download these statements either as a PDF or CSV.

Any appreciation rates shown are based on historical performance and are not indicative of future results. These figures reflect average performance of similar assets over a specific period. Neither Konvi nor its partners can guarantee any future returns.

At Konvi, we simplify the process of investing in premium alternative assets. From due diligence to asset acquisition and ownership distribution, we take care of the complexities, so you can focus on building your portfolio with confidence.

Konvi is built around real auction opportunities, and the process follows a simple flow:

1. IAO launch - The asset is officially live and open for investment on the Konvi platform. While the funding window can remain open for up to 3 months, high-demand opportunities often fill much faster, sometimes within just a few days. To avoid missing out, we recommend acting early once you’ve completed your due diligence.

2. IAO close - We’ve reached a funding target required to proceed with sourcing the guarantee.

3. Selection process - Once funding closes, Konvi begins processing all investments. This includes payment validation and identity verification for each investor, a step required for regulatory compliance. Konvi then works with its network of auction houses and partners to secure a suitable asset and structure a minimum bid for an upcoming auction. The time required to complete all steps can vary, but we work to do this within 1 month of closing but this can sometimes take longer.

• Payment & identity verification
• Selection
• Authentication

4. Voting - The final asset and bid level are presented to investors. Users vote on whether to proceed with the guarantee.

5. Auction outcome - Konvi places the bid at auction on behalf of the group. From here, there are two possible outcomes:

• If bidding goes higher: the asset sells, and users receive their share of the upside
• If bidding does not go higher: the Collective Investor Group (CIG) acquires the asset

6. After the auction -

• In the upside case, payouts are processed as soon as possible after the auction settles, often within a few weeks of the hammer
• In the acquisition case, the asset is held and managed, and users vote over time on when to sell

When the asset is eventually sold, proceeds are distributed to investors based on their ownership.

When you invest in a Konvi opportunity, you are participating in a fractional auction bid alongside other users.

If the auction goes above the minimum bid, the asset is sold and you receive your share of the upside once the auction settles.

If the auction does not go higher, the Collective Investor Group (CIG) acquires the asset, and you become a fractional owner. The asset is then managed and held for a future sale, with investors voting on when to sell.

When the asset is eventually sold, your share of the proceeds (after any applicable fees) is returned to your Konvi account.

Konvi is also developing liquidity options, such as a secondary market, which may allow you to sell your ownership before the asset is sold, depending on the specific opportunity.

Any person, 18 years or older, who is a citizen and/or resident of the following countries, can purchase ownership in assets on Konvi’s platform: European Union, European Economic Area, United Kingdom, Switzerland, Liechtenstein, Norway, Singapore, Hong Kong, UAE.

To activate your account using your discount, an active code should be added in the referral section during your onboarding into the Konvi app. If you received a link, the code will be in most cases pre-filled. If not, feel free to input it manually. After signing up, you can view the credited discount in your portfolio tab.

Your discount will be converted into funds when you make an order using it. It will be automatically applied at checkout. You can then withdraw funds when exiting your investment.

The discount cannot be withdrawn into your bank account, it can be only claimed through an order.

You will pay for your order directly through a secure payment gateway. We accept VISA, Mastercard, American Express, Google Pay, Apple Pay, and SEPA Direct Debit. Credit/Debit card transactions incur a small fee of 1% to 3% depending on the country of origination of your card.

You can also pay using funds in your Konvi wallet. These funds will automatically be put towards your next investment.

Reserving an opportunity is a statement of interest, not a commitment to invest.

By reserving, you receive priority access when the funding opens. This means you will be among the first users able to invest in the opportunity.

However, reservation does not guarantee allocation. While you are given priority during the early stage of funding, the opportunity can still fill quickly.

Priority access remains in place while funding is open. Once the opportunity is fully funded, the priority no longer applies — even if this happens shortly after launch.

There are three options:

• Newsletter: If you'd like to get notified about all general future developments, you can sign up for our newsletter.
• In-App Notifications: Another option is to activate the notifications in the Konvi app. For this, you can go to the ‘Deals’ page and scroll down to any notifications banner. Then you just click on ‘Get notified’ and activate the notifications in your settings.
• Preorder Notifications: For signing up for detailed, specific future Initial Asset Offerings (IAOs), log into the Konvi app, select the asset in the "Coming soon" section that you'd like to be notified about, and then click "Preorder".

If you know under each email your social login is, you can always log in via email, and it will connect to the same account. Your account will then be connected through both your social account and your email.

If you'd like your account to be connected to another email, feel free to contact our support - we're happy to assist you. Just email us at support@konvi.app, and we will sort it out.

Each instrument states whether it will be available on the secondary market. Log into our app to read the details of the asset you are planning to invest in.

The secondary market is allowing investors to sell their shares before the appreciation period ends. Through this method, investors can purchase and sell shares from other investors, rather than from the legal entity itself.

The feature is planned to be available in 2026.

Citizens from the following countries are permitted to invest in assets on the Konvi platform: European Union, European Economic Area, United Kingdom, Switzerland, Liechtenstein, Norway, Singapore, Hong Kong, UAE.

Your Portfolio in the app shows your total of investments, rewards, and returns received with Konvi.

• Assets . Ownership - This shows the total ownership in your invested assets
• Wallet . Balance - Any returns on investment through sales or yield from your assets will be paid direclty to your Konvi wallet. From here you can decide to reinvest in any of our open assets, or to withdraw to an IBAN in your name.
• Discounts . Balance - You can earn rewards on Konvi through referrals, discounts, and other promotional offers. These can be used towards your next investment on Konvi.

Your Konvi Wallet reflects the combined value of any returns generated from the sale of your assets, as well as yield earned from assets currently held in your portfolio.

Funds in your Konvi Wallet can be reinvested into any open investment opportunity on the platform. During checkout, available wallet funds will be automatically applied to your selected investment.

Alternatively, you may choose to withdraw your wallet balance to an IBAN account in your name. To initiate a withdrawal, click the withdraw button (downward arrow) within your portfolio and follow the on-screen instructions. Please note that, for your first withdrawal, you will be required to provide a recent bank statement displaying your full name, address (matching the details provided during your Blockpass identity verification), and IBAN.

Your Blockpass identity verification must also be up to date. This includes a current residential address consistent with your bank statement, as well as a valid, in-date form of identification.

Konvi is not responsible for any taxes related to Capital Gains on the asset.

Once the asset is sold, we distribute funds to the investors of the asset.

After that, you will be responsible for managing your own tax obligations based on your share of the distribution.

Konvi provides investors with clear and detailed statements of their investments. You can access both your Portfolio Statement and Wallet Statement directly from the Settings section of the app.

Konvi has recently restructured which has meant that your joint, direct ownership of the asset may offer tax benefits. We recommend that you speak to a tax expert on this for your area.

Konvi provides investors with clear and detailed statements of their investments. You can access both your Portfolio Statement and Wallet Statement directly from the Settings section of the app.

Portfolio Statement - Here you will be able to view details of your investments, including Investment, Exited, and Yield

• Investment – The amount invested in an asset, inclusive of any applicable discounts
• Exited – The amount returned to you upon the successful exit of an asset
• Yield – Yield payments earned from an asset

Wallet Statement - Here you will be able to view details of all transactions to and from your Konvi Wallet, including Payment, Exit, Yield, and Payout

• Payment – Funds paid from your Konvi Wallet towards an investment on the app
• Exit – The amount credited to your wallet following the successful exit of an asset
• Yield – Yield payments earned and credited to your Konvi Wallet
• Payout – Withdrawals made from your Konvi Wallet. This may include payments that are still processing prior to being received in your bank account

You can choose to download these statements either as a PDF or CSV.

Konvi Investor Status is a tiered status system based on the total value of assets an investor currently holds on Konvi.

It determines:

• passive income eligibility and potential
• platform benefits
• level of access and support

Status updates automatically as portfolio value changes.

No.

Investor Status is not a promotion, points system, or limited-time campaign.

It is a permanent platform feature tied directly to portfolio size.

No.

There is:

• no application
• no manual approval
• no review process

Status is calculated automatically by the system.

Inside the Konvi app, where they can view:

• current Investor Status tier
• portfolio value used for calculation
• passive income payouts
• full tier benefits

Investor Status is calculated based on the current value of assets you actively own on Konvi.

What counts towards Investor Status?

• Active investments in open or live assets
• Fully funded assets still held
• Fractional ownership across all supported asset classes

What does NOT count?

• Cash in the Konvi Wallet
• Withdrawn funds
• Assets that have already exited
• Discounts, vouchers, or promo credits
• Historical investment amounts

Only assets currently owned are included.

No.

Funds sitting in the wallet do not count until invested into assets.

No.

Only your current portfolio value matters.

If an asset exits and pays out, it no longer counts toward status.

There are seven tiers, ranging from entry-level investors to high-value portfolio holders.

(Exact thresholds and benefits are displayed in the app.)

Status is calculated continuously based on current holdings.

Updates happen automatically.

As soon as a portfolio crosses the threshold for the next tier:

• status upgrades automatically
• benefits activate without any action required

Yes.

If a portfolio drops below a tier threshold, status may downgrade.

No.

Downgrades are not instant and may include a grace period to prevent frequent switching due to short-term changes.

Exact grace rules may evolve over time.

Common reasons include:

• asset exit or payout
• selling part of an asset
• portfolio value falling below tier threshold

Only assets currently held count.

What is passive income?

Passive income is a monthly payout calculated based on:

• the assets held
• portfolio size
• asset type and performance

It is paid directly into the Konvi Wallet.

How often is passive income paid?

Monthly.

No.

Passive income is not a fixed rate and may vary depending on:

• asset performance
• asset structure
• portfolio composition

Into the user’s Konvi Wallet.

From there, users can:

• reinvest
• withdraw to IBAN in your name

It can.

If payouts are reinvested, future income is calculated on a larger portfolio base, creating a compounding effect over time.

Depending on tier, benefits may include:

• increased passive income potential
• reduced platform fees
• priority access or early access to assets
• enhanced support
• exclusive experiences or features

Full benefits are always visible in the app.

No.

Benefits apply from the moment a tier is reached onward.

If status downgrades after a grace period, benefits associated with the higher tier may no longer apply.

Possible reasons:

• wallet balance included by mistake
• asset recently exited
• valuation update pending
• asset not eligible

Most standard Konvi assets are eligible.

If exclusions exist, they are clearly stated in the app or asset documentation.

Yes.

Konvi may update:

• thresholds
• grace periods
• benefit structures

Changes are made to maintain fairness, stability, and platform sustainability.

To formalize your ownership stake, you are legally required to provide extra information. The collection and use of your personal data exclusively take place within the limits of statutory provisions and in consideration of the current European data protection laws (GDPR).

The government requires information such as name, address, proof of address, and nationality, which are held securely and not shared with the public.

As a financial platform, we are required to collect and occasionally store the information of our users. For information security, we hold ourselves to GDPR (EU regulation) standards. Highly sensitive information, such as your card information or ID copy is never stored on our servers. They are directly sent to our regulated payment provider Stripe or the government entity. For further information, please review our Privacy Policy.

Yes. All assets are securely stored with trusted industry partners who specialise in handling and preserving high-value items. Proper storage is a key part of maintaining and growing long-term value. Konvi is also working towards more centralised storage solutions, subject to approval from asset owners.

The financial transaction will be performed securely through Stripe, one of the most trusted payment service providers in the world. We accept payments through Bank Transfer, Visa, Mastercard, and American Express.

If the funding target is not reached, you will receive a 100% refund.