LitFund

01 — Platform Homepage

app.example.com/landing-auth

Earn Up to 11% p.a. on Real Estate Loans

ECSP-licensed lending platform regulated by the Bank of Lithuania — EU Regulation 2020/1503

🏛️

€24.7M

Total Funded

8.4%

Avg. Net Return

312

Active Investors

0%

Default Rate

Featured Investment Opportunities

€450,000

Vilnius Apartment Complex Refinancing

↑ 9.5% p.a. · LTV 68% · 18 months

Funded

€350K of €450K raised

€280,000

Kaunas Commercial Renovation — Bridge

↑ 11.0% p.a. · LTV 61% · 12 months

Platform Repayment Performance (Monthly %)

Nov

Dec

Jan

Feb

Mar

Apr

02 — Investor Registration

app.example.com/landing-auth

Create Your Investor Account

Individual Investor

Legal Entity (UAB / Ltd)

👤

📧

📱

🔒

I accept the Platform Agreement and ECSP Investor Disclosure Document

I confirm I have read the Key Investment Information Sheet (KIIS)

Regulated under EU 2020/1503 · Bank of Lithuania Licensed

01 — Identity Verification Flow

app.example.com/kyc-onboarding

Investor Identity Verification — Powered by Sumsub

Onboarding Progress55%

✓

Account Created

Email verified · 28 Apr 2026

✓

Personal Details Submitted

Name, DOB, nationality, address confirmed

→

Identity Verification (Sumsub)

Government-issued ID + liveness check required

○

Suitability Assessment

ECSP Art. 21 investor questionnaire

○

Account Activated

Ready to invest in live projects

🪪

Upload Government-Issued ID

Passport, national ID card, or EU driving licence — Sumsub-powered OCR and liveness detection

📄

Proof of Address

Bank statement or utility bill — issued within the last 3 months — required under AML4D

AML / KYC Compliant · Sumsub Certified

02 — Suitability Assessment

app.example.com/kyc-onboarding

ECSP Investor Suitability Questionnaire

Mandatory — EU Regulation 2020/1503 Article 21

Questionnaire Completion40%

Investment Experience

Risk Tolerance

Financial Situation

Knowledge Test

📊

Investment Experience

Indicate experience with: secured loans, bonds, equity instruments, real estate — determines sophisticated investor status

⚠️

Capital Risk Acknowledgement

Crowdfunding investments carry risk of partial or total capital loss. Not covered by EU deposit guarantee schemes.

I understand invested capital is at risk and not guaranteed by any state scheme

I confirm I am not investing more than 10% of my net worth (non-sophisticated investor limit)

01 — Portfolio Overview

app.example.com/investor-dashboard

My Investment Portfolio

€18,500

Total Invested

€1,423

Interest Earned

7.7%

Avg. Net Yield

4

Active Projects

Monthly Interest Income (EUR)

Nov

Dec

Jan

Feb

Mar

Apr

€1,423.80

Total Interest Received (YTD)

↑ +8.2% vs prior quarter

Portfolio Health

4 of 4 projects on track

May

2026

Repayment Due — Vilnius Apt. Complex

€312.50 principal + €142.00 interest

Jun

2026

Repayment Due — Kaunas Commercial

€208.33 principal + €95.42 interest

All repayments on schedule

02 — Transaction & Repayment History

app.example.com/investor-dashboard

Transaction History

All

Investments

Repayments

Withdrawals

28 Apr

2026

Interest Received — Vilnius Apt. Complex

Monthly interest payment · €142.00

15 Apr

2026

Interest Received — Kaunas Commercial

Monthly interest payment · €95.42

02 Apr

2026

Investment Committed — Riga Logistics Hub

New investment · €3,000.00 · 8.5% p.a.

14 Feb

2026

Funds Deposited via LemonWay

SEPA bank transfer · €5,000.00

€2,500.00

Available Wallet Balance

↑ LemonWay e-wallet

01 — Browse Investment Projects

app.example.com/project-listings-detail

Available Investment Opportunities

All Projects

Residential

Commercial

Mixed-Use

Development Finance

9.5% p.a.

Vilnius Apartment Complex — Senior Secured

↑ LTV 68% · 18 months · First-rank mortgage

Funded

€350K of €450K

11.0% p.a.

Kaunas Commercial Renovation — Bridge

↑ LTV 61% · 12 months · Cross-collateralised

Funded

€126K of €280K

8.5% p.a.

Riga Logistics Hub — Refinancing

↑ LTV 72% · 24 months · Closing soon

Funded

€552K of €600K

Portfolio LTV Distribution (% of projects)

<60%

60–70%

70–75%

02 — Project Detail — Vilnius Apt.

app.example.com/project-listings-detail

Vilnius Apartment Complex Refinancing

Senior secured · First-rank mortgage · 9.5% p.a. · 18 months · RICS-appraised collateral

🏢

€450,000

Loan Amount

9.5%

Annual Rate

68%

LTV Ratio

18 mo

Term

Overview

Financials

Documents

Updates

€660,000

Property Valuation (RICS Independent)

↑ Appraised March 2026 · Vilnius City Centre

A−

Borrower Internal Credit Score

↑ 3 prior loans repaid on time

Funding Progress

€350,000 of €450,000

Monthly

Payment

Interest-Only Schedule

€3,562.50/month · Principal bullet at month 18

KIIS Available for Download

01 — Investment Confirmation & eSign

app.example.com/investment-flow

Confirm Your Investment — Vilnius Apt. Complex

€2,500.00

Investment Amount

↑ Minimum €100 · Maximum €50,000 per project

9.5%

Annual Rate

18 mo

Loan Term

€356.25

Total Interest

€2,856.25

Total Return

Monthly

Interest

Repayment Preview

€19.79/month interest · €2,500 principal at month 18

Project Funded

Your €2,500 brings it to 83%

📝

Loan Agreement — Electronic Signature Required

Review and sign via eIDAS-qualified electronic signature. DocuSign-powered. Legally binding in all EU member states.

I have read and accept the Loan Agreement and all associated schedules

Funds held in LemonWay Segregated Escrow

02 — LemonWay Payment & Escrow

app.example.com/investment-flow

Fund Your Investment

Wallet Balance

SEPA Bank Transfer

Card Payment

€5,000.00

Available LemonWay Wallet Balance

↑ Verified IBAN · Funds available instantly

€2,500.00

Investment Amount

↑ Vilnius Apartment Complex · Project #PRJ-2026-0012

€2,500.00

Remaining Wallet Balance

↓ Post-investment balance

🔐

Segregated Escrow Protection

Funds held in a per-project LemonWay escrow account. If funding target not met within 90 days, full capital is returned automatically.

T+0

Instant

Wallet → Project Escrow

Immediate transfer · Confirmation email sent

PSD2 Compliant · IBAN Verified · 3DS2 Secured

01 — Financing Request Submission

app.example.com/borrower-portal

Submit a Financing Request

Application Completion35%

Property Details

Loan Terms

Documents

Declaration

🏢

💶

📅

Refinancing

Bridge Loan

Development Finance

Buy-to-Let

68%

Estimated LTV Ratio

↑ Based on submitted indicative valuation

📋

Required Documentation Checklist

RICS valuation, title deed, 3-year financial statements, planning permissions, buildings insurance certificate, borrower KYC

02 — Application Status Tracker

app.example.com/borrower-portal

Financing Application Status — Ref #BRW-2026-0047

Stage: Credit Underwriting in Progress

✓

Application Submitted

12 Apr 2026 · All mandatory documents received

✓

Initial Eligibility Passed

14 Apr 2026 · LTV and loan size within policy limits

→

Credit Underwriting

Assigned: J. Mackevičius · Est. completion 22 Apr 2026

○

Platform Approval & KIIS Preparation

Project published to investor marketplace

○

Funding & Disbursement

Funds disbursed upon 100% funding via LemonWay

€450,000

Requested Loan Amount

↑ Vilnius Apartment Complex · 18 months

Review Progress

Credit underwriting stage

22 Apr

2026

Expected Credit Decision

Underwriter: J. Mackevičius · Ref #BRW-2026-0047

01 — Operations Dashboard

app.example.com/admin-back-office

Platform Operations Dashboard

€24.7M

Total AUM

47

Active Projects

312

KYC'd Investors

0.0%

Default Rate

Monthly Disbursements vs Repayments (€ thousands)

Nov

Dec

Jan

Feb

Mar

Apr

8

Projects Pending Credit Approval

↓ 3 new submissions this week

14

KYC Reviews in Sumsub Queue

↓ Avg. processing time: 4.2 hrs

Today

ALERT

Repayment Overdue — Ref #PRJ-2025-0031

Borrower notified · Grace period expires 05 May 2026 · Legal review triggered

Regulatory Reporting Deadline: 15 May 2026 · Bank of Lithuania

02 — Credit Approval Workflow

app.example.com/admin-back-office

Underwriting & Approval Queue

Pending

Underwriting

Approved

Rejected

Live

#BRW-2026-0047

Vilnius Apt. Complex · €450K · LTV 68%

↑ Submitted 12 Apr · Assigned J. Mackevičius

Underwriting

Awaiting RICS final valuation

#BRW-2026-0044

Kaunas Warehouse · €1.2M · LTV 58%

↑ Submitted 08 Apr · Final board sign-off

Near Approval

Board sign-off pending

RISK

FLAG

Exception Required — #BRW-2026-0041

LTV 76% exceeds 75% policy limit · Credit committee exception needed

ECSP Art. 23 Disclosure Must Be Completed Before Listing

03 — Investor Registry & Compliance

app.example.com/admin-back-office

Investor Registry — AML / KYC Compliance

312

Total Investors

14

KYC Pending

28

Sophisticated

3

AML Flagged

All Investors

KYC Pending

Sophisticated

AML Flagged

INV

#0312

Marija Petrović · €45,200 invested · 6 active projects

KYC: Verified · AML: Clear · Classification: Non-sophisticated

INV

#0311

UAB Investicijų Grupė · €180,000 · 12 projects

KYC: Verified · AML: Clear · Type: Legal Entity · PEP: No

INV

#0298

Andreas Meier · €8,500 · 2 projects

KYC: EXPIRED — Passport expired Jan 2026 · Re-verification required

€24.7M

Total Investor AUM — ECSP Art. 48 Reportable

↑ Bank of Lithuania submission due 15 May

Feature Stack & Deliverables

Complete overview of confirmed features, deliverable items, and technical architecture for LitFund.

🏗️

Tech Stack

Next.js 14SumsubLemonWayDocuSign eIDASPostgreSQL + PrismaAWS Frankfurt (EU)

⚡

Core Technologies

⚡

Next.js 14 — React framework for investor portal, borrower area, and public site with SSR

🪪

Sumsub — KYC/AML identity verification, liveness checks, and ongoing monitoring

💳

LemonWay — PSD2-compliant e-wallets, per-project escrow, SEPA disbursements

✍️

DocuSign eIDAS — Qualified electronic signatures for loan agreements — EU-legal across all member states

🗄️

PostgreSQL + Prisma — GDPR-compliant relational database with full audit logging and row-level security

☁️

AWS Frankfurt (EU) — EU-region data residency, SOC2 hosting, CloudTrail audit logs, S3 document storage

📦

V1 Deliverables Checklist

ECSP-compliant investor portal with full KYC/AML onboarding via Sumsub
Public project listing pages with KIIS (Key Investment Information Sheet) PDF downloads
Investment flow with eIDAS-qualified electronic contract signature via DocuSign
Per-project segregated escrow management and automated disbursement via LemonWay API
Borrower submission portal with document upload, checklist, and real-time status tracking
Admin back office with credit approval workflow, underwriting queue, and risk flags
Repayment tracking engine with automated investor notifications and overdue alerts
GDPR-compliant data architecture with full immutable audit logs on all financial events
Regulatory reporting module for Bank of Lithuania ECSP quarterly submissions
Transaction monitoring dashboard with AML scoring, PEP checks, and case management

🔧

Architecture Layers

Frontend

Next.js 14 + TypeScript

Investor portal, borrower area, admin back office — SSR for SEO on public pages, SPA for authenticated views with role-based access control

API Layer

Node.js REST + JWT

Secure REST API with JWT authentication, rate limiting, IP allowlisting for admin, and ECSP-mandated audit logging on every financial transaction

Payments & Escrow

LemonWay API v2

PSD2-compliant e-wallets per investor, per-project segregated escrow accounts, automated SEPA disbursement to borrowers, and scheduled repayment flows

Identity & Compliance

Sumsub + DocuSign

KYC/AML verification with liveness detection, ongoing monitoring, PEP/sanctions screening, and eIDAS-qualified electronic signatures for all loan agreements

Data & Infrastructure

PostgreSQL + AWS Frankfurt

EU-resident encrypted database with row-level security, Prisma ORM, S3 for document storage with versioning, CloudTrail audit trails, and GDPR data subject request API

LitFund

Landing & Auth

KYC & Onboarding

Investor Dashboard

Project Listings & Detail

Investment Flow

Borrower Portal

Admin Back Office

LitFund

Feature Stack & Deliverables

Tech Stack

Core Technologies

V1 Deliverables Checklist

Architecture Layers