Commonly Asked Questions

What is Worthy Wealth? We are a financial technology company that offers a community investment and wealth building platform. Our platform will give investors the opportunity to invest as little as $10 and earn 7%-15% interest, without having to pay any fees, through the purchase of Worthy Wealth bonds.  The proceeds from the bond sales will be used to make secured loans to real estate developers and the interest earned is shared with Worthy Wealth account holders.
Why was Worthy Wealth created? People need a better way to build their wealth. Worthy Wealth was created to level the financial playing field and to support our fellow humans by offering an alternative way for them to painlessly grow their nest egg while supporting community real estate projects.
Why hasn't this type of investment always been available to investors? Our national securities laws changed in 2012 as part of what was called The JOBS ACT and these updated laws opened private market investing opportunities to more Americans. Given this, entities such as Worthy are able to use a section of those laws - called Regulation A+ - to engineer new financial products for the masses. The majority of Americans can now potentially benefit from a better financial return as they have access to a wider variety of higher-yielding, private market investment vehicles like the Worthy Wealth bonds that will be sold using the fintech platform.
How long has Worthy Wealth been in business? Although Worthy Wealth was only created in the last year, it followed a company founded by the same team operating in the same industry. The team not only has decades of experience in the financial industry but also specifically with selling $250,000,000 in similar products to retail investors.
Who are your competitors? While there are other technology companies offering digital investing and wealth solutions, currently none that we know of offer community-based investments such as Worthy Property Bonds that have a fixed 7% liquid return, offer a low minimum entry ($10) and are open to all US investors.
How do you make money? The loans our subsidiaries will make with the bond sale proceeds have a greater interest rate than the interest rate returned to Worthy bondholders. The Worthy Wealth companies will use the difference between the loan interest we generate and the rate we pay our community members to operate, while keeping returns consistent for our Worthies.
How do bondholders make investments? Our platform will offer 3 ways to help bondholders save and invest. Community members can purchase bonds at any time manually through our “Buy Bonds” button. Alternatively to buying bonds on demand, they can auto invest through our “Round Ups” and “Recurring Investment” tools. The “Round Up” investment option works by monitoring a customer’s daily purchase transactions and tracking the difference between their purchase and the next whole dollar (so on a $2.50 purchase, .50 cents is tracked).  A bond is triggered for the customer’s account each time the “spare change” from these purchases reaches the $10. bond buying threshold.  Additionally, our “Recurring Investment” tool allows them to schedule their purchases daily, weekly, bi-weekly or monthly so they can invest without always having to remember to do so!
How does the investment process work to buy shares of Worthy Wealth ? You click the “Invest” button on this website and it will lead you through the purchase process - including identification verification. Once you have completed the online process of buying shares, you will be notified in approximately 5 business days to fund the investment. Please keep an eye out for emails from Texture Capital (our broker/dealer) in case they need any more details from you.  Your shares will be issued and you will officially become a shareholder generally in several days, but could take up to 21 days of your funds being received and verified. As a new Worthy Wealth investor, you will receive a welcome email from our Transfer Agent (KoreTransfer) with details of your Worthy Wealth account when your shares are issued.
How do I see and keep track of my shares once I buy them? A transfer agent is a financial services company that manages and keeps track of registered shareholders for companies that issue stock. Our transfer agent is, KoreTransfer so they will handle the recordkeeping, reporting and communications for our shareholders. They will manage the official listing of all registered shares and shareholders, including the shareholder's name and contact information, along with records of dividends paid (if any) and other important shareholder information. You will have your own account and dashboard on the KoreTransfer platform to view your shares and to receive communication from us like any investor updates.
What’s the difference between the Worthy bonds and Worthy shares? Worthy bonds are a debt product that pay a fixed annual interest and can be cashed in over a specified time period. Worthy shares are an equity product where you are purchasing an ownership stake in the company. The shares are not yet publicly traded as Worthy Wealth is a private company so the shares are not liquid - meaning you can’t “cash them in” at will. The hope is that as you hold the shares, they will increase in value and that a liquidity event such as the company being acquired or going public will happen in the not-too-distant future. There are also new secondary trading platforms emerging where private company shares can be bought and sold so this may be an additional channel for liquidity.
How can I cancel my investment? There are no cancellation or refunds available for investments made in this offering.  Applicants are not charged for the investment until the personal information they have provided in order to purchase this investment has been vetted and approved.