CurveBlock
Fractional property investment lets many people buy small amounts of a fund that owns and develops property by buying digital shares. With as little as £10 an investor receives a digital share and participates in pooled funding which pays for property acquisition planning and building. Ownership is recorded on a distributed ledger and profits are shared equally per share.
How a £10 purchase becomes a digital share
When you choose to invest, you register on the platform and complete standard identity checks. After your payment clears the platform issues a digital share to your account. That digital share is an entry on an auditable share register which records who owns how many shares. Each share represents the same economic rights within the fund model so small purchases sit alongside larger ones in the same pool.
Issuance is immediate from a bookkeeping perspective which means your ownership is visible to you and to the register that the fund maintains. The platform handles compliance and record keeping so you do not receive a paper certificate. Instead your holding is visible in your account and on the ledger used by the fund for record keeping and audit.
Every purchase becomes an auditable share entry that carries equal rights per share within the fund.
How pooled capital is organised and prioritised
Money from individual purchases is pooled into the fund account. That pool is managed according to the fund rules which set out investment strategy eligibility and the process for selecting projects. Pooling allows the fund to assemble meaningful sums quickly and to spread investment across several projects rather than relying on a single development.
The pooled model also permits a more efficient approach to contract negotiation and procurement. The fund can buy land negotiate planning support and place construction contracts at scale. If you want to read more about how this spreads risk see How a pooled fund spreads risk across projects compared with backing a single development.
Pooled capital lets many small investors support projects at a scale that would otherwise be out of reach.
Funding the stages of development
Developments proceed in stages that the fund finances in sequence. Typical stages are acquisition planning and approvals construction and commissioning. Early stage work covers due diligence and planning which can include surveys designs and application fees. At later stages the fund releases finance against agreed milestones such as exchange of contracts start on site and practical completion.
To manage risk the fund may use staged payments escrow arrangements and third party oversight from project managers and quantity surveyors. These checks help ensure that money is used for the stated purpose and that progress is independently verified before further funds are released.
The CurveBlock fund model operates on a regulated platform and the platform is approved for Gate 1 of the Bank of England and FCA Digital Securities Sandbox. Sandbox approval is not full FCA authorisation.
Funds are released in stages with independent checks at each milestone to align spending with progress.
Contracts governance and construction management
Construction contracts are awarded by the fund or by a special purpose vehicle controlled by the fund. Contracts set out price scopes deliverables and a timeline. Project managers monitor progress and certify work for payment. Where appropriate performance bonds or insurance provide additional protection for the fund against contractor default.
Governance structures ensure the fund follows its own investment rules and any regulatory requirements. Reporting cycles keep investors informed with regular updates on planning status site progress and any changes to expected timelines. The fund’s administrators also handle tax and legal compliance for the structure that holds each project.
Clear contracts and active project oversight are central to turning construction finance into completed buildings.
How profits are calculated and shared
Profits arise from income such as rent or power sales and from capital value changes on sale or revaluation. The fund aggregates revenues and costs across the portfolio and tracks them against each project. After costs and fees any surplus is allocated to shareholders according to the share rules.
CurveBlock operates an equal profit sharing per share approach which means each digital share carries the same entitlement to fund distributions. This promotes fairness across small and large holdings and makes accounting simpler to operate. For more on how equal sharing works see Equal profit sharing explained: why every digital share earns the same return per share.
Each digital share receives the same profit share rights so distributions are proportional to share count not to the size of individual investments.
Transparency reporting and how ownership is tracked
Investor transparency relies on accurate records and timely reporting. The auditable share register records purchases transfers and distributions. Regular statements show holdings any distributions made and narrative updates on project progress. Where a distributed ledger is used the register becomes tamper evident and easier to audit which supports investor confidence.
The platform also provides access to offering documents governance rules and the fund prospectus so investors can review how decisions are made. Independent audits and periodic valuations give further insight into the fund position and performance drivers.
Accurate and auditable records are essential to investor trust in a pooled fund model.
Timelines liquidity and what can go wrong
Development timelines vary by project size planning risk and market conditions. Typical horizons for a development can be from months to several years depending on the planning process and construction scope. Liquidity is not guaranteed because development investments are inherently less liquid than listed assets. The platform may offer secondary trading options but availability depends on buyer interest and any trading rules the fund sets.
Key risks include planning refusal construction delays contractor insolvency and market movement that affects sale prices or rental demand. The fund mitigates risk through diversification project oversight and conservative cost management but investors should understand there are no guarantees against capital loss.
Development investing involves time and uncertainty so patience and an understanding of risk are essential.
Frequently asked questions
How much do I need to invest?
You can start with £10 by purchasing a single digital share on the platform.
What happens after I buy a digital share?
Your purchase is recorded on an auditable register and your share is pooled with others to fund acquisitions and developments.
How are profits shared?
Profits are distributed equally per share so every digital share has the same profit share rights.
Can I sell my digital shares?
There are options to sell through the platform subject to market conditions and any applicable trading rules.
Is CurveBlock regulated?
CurveBlock is approved for Gate 1 of the Bank of England and FCA Digital Securities Sandbox and Sandbox approval is not full FCA authorisation.
Answers to common questions help clarify how your money moves through the fund model and what to expect.
General information about the CurveBlock platform. Not financial, legal or tax advice. Capital is at risk. The value of digital shares can fall as well as rise. Past performance is not a guide to future returns.
