Frequently asked
Questions, answered plainly.
What Captal is, who it's for, and how it works — in plain terms. For every step in detail, see the Guide.
The basics
What is Captal?
A private marketplace for real ownership in private companies. Ownership is recorded in your name on modern rails — real legal shares, not a coin or a placeholder.
Who can invest?
Verified accredited investors only, under Rule 506(c) of Regulation D. Accreditation is verified before any investment.
What's available now, and what's coming?
Today, companies can put their cap table on modern rails, and you can invest in Captal itself. Raising on the platform and a secondary marketplace are forthcoming.
Getting in
How does verification work?
A one-time identity check through Plaid, plus multi-factor authentication. Accredited status is verified separately through VerifyInvestor.com, typically within 1–3 business days.
How do I pay for an investment?
When investing, supported methods include wire and digital settlement. The exact options are shown at the time of an offering.
Ownership
How do shares work?
Every share you buy is a genuine legal share, recorded in your name — the same equity that has always existed, kept on a modern, tamper-resistant record.
What happens at an offering?
You review the offering documents, confirm your accredited status, and — if you choose to invest — your shares are issued and recorded in your name. Nothing is a promise on paper.
Are there fees?
There's no platform fee to buy. A fee applies only when selling through a secondary offering, which is forthcoming. Any offering shows its own terms.
Common issues
My identity verification wasn't approved. What now?
You'll receive an email with the reason — usually a blurry or expired ID, or a name that didn't match your registration. You can re-attempt verification from the start.
I lost my authenticator app. How do I get back in?
Use one of the backup codes you saved during setup. Without them, contact support@captal.ai to begin account recovery, which requires re-verifying your identity.
How long does accreditation take?
VerifyInvestor.com typically completes verification within 1–3 business days, and your account updates automatically once it's approved.
Can I invest from outside the United States?
Not yet — Captal currently supports U.S.-based accredited investors. International access is on the roadmap; contact support@captal.ai to be notified when it expands.