Terms of Service

Last updated: May 25, 2026

1. Acceptance of Terms

By accessing or using the GreatX platform ("Platform"), you agree to be bound by these Terms of Service ("Terms"). The Platform is operated by GreatX Inc. and its affiliates. If you do not agree to these Terms, do not access or use the Platform.

2. Eligibility

  • You must be at least 18 years of age (or the age of majority in your jurisdiction).
  • You must complete identity verification (KYC) and anti-money laundering (AML) screening before investing.
  • Certain investment products are available only to accredited investors as defined under SEC Regulation D, Rule 501, or equivalent standards in your jurisdiction.
  • Residents of OFAC-sanctioned jurisdictions are prohibited from using the Platform.
  • UAE-based investors must meet VARA and Scintilla onboarding requirements.

3. Platform Services

GreatX provides a technology platform for the purchase of tokenized fractional interests in real estate assets ("Property Tokens"). Property Tokens represent fractional economic interests in underlying real property assets and are issued as ERC-20 tokens on supported blockchain networks.

  • Fractional Ownership: Each property is divided into up to 99 fractional slots. Each slot is represented by Property Tokens purchasable using USD-1 stablecoin.
  • Yield Distribution: Daily stablecoin yield is accrued from rental income generated by the underlying property and distributed to token holders proportionally.
  • Compounding: Users may opt-in to automatic yield compounding, subject to platform availability and applicable regulations.
  • Looping (Leverage): Accredited investors may access leveraged positions through the Dolomite integration, subject to a maximum loan-to-value ratio of 75% and maximum 3x leverage for retail participants.
  • Redemption: Token holders may redeem their position through the regulated redemption pipeline. Supported redemption currencies include USD-1, USDC, USDT, and USD bank wire.

4. Custody and Security

All digital assets on the Platform are held in institutional-grade custodial wallets provided by BitGo Trust Company, Inc. BitGo maintains multi-signature security, insurance coverage, and SOC 2 Type II compliance. GreatX does not hold custody of user funds directly.

5. Regulatory Compliance

  • Property Token offerings are conducted in compliance with SEC Regulation D (Rule 506(c)) for US investors and Regulation S for non-US investors.
  • UAE investor onboarding is conducted through Scintilla, a VARA-licensed Virtual Asset Service Provider (VASP).
  • The Platform complies with applicable AML/CFT requirements, including the US Bank Secrecy Act, UAE AML regulations, and the GENIUS Act stablecoin framework.
  • Tokenization and post-trade reporting are facilitated through Templum, a FINRA-registered Alternative Trading System (ATS).

6. Risks and Disclaimers

Investing in tokenized real estate involves significant risk, including but not limited to:

  • Loss of principal investment
  • Illiquidity — Property Tokens may not be readily tradeable on secondary markets
  • Market risk — real estate values may decline
  • Regulatory risk — changes in securities or digital asset regulations may affect the Platform
  • Smart contract risk — despite audits, smart contracts may contain undiscovered vulnerabilities
  • Leverage risk — looped positions are subject to liquidation if collateral value falls below maintenance thresholds

Past performance is not indicative of future results. Projected yields are estimates based on current rental income and market conditions and are not guaranteed.

7. Fees

The Platform charges the following fees: (a) a platform fee on yield distributions, (b) a redemption processing fee, and (c) blockchain gas fees for on-chain transactions. All applicable fees are disclosed prior to transaction confirmation. Fee schedules are available in your account dashboard.

8. Intellectual Property

All content, software, trademarks, and intellectual property on the Platform are owned by GreatX Inc. or its licensors. You may not copy, modify, distribute, or create derivative works without express written permission.

9. Account Termination

We reserve the right to suspend or terminate your account if you breach these Terms, fail identity verification, are flagged by compliance screening, or engage in prohibited activities. Upon termination, you retain the right to redeem existing token holdings through the standard redemption process.

10. Governing Law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of laws principles. For UAE-based investors, applicable VARA regulations and UAE federal law shall apply to the extent they conflict with these Terms.

11. Contact

Questions about these Terms should be directed to [email protected].