The Investor Journey
This section covers everything an investor goes through, from creating an account to having a funded investment. Understanding this journey is importa...
This section covers everything an investor goes through, from creating an account to having a funded investment. Understanding this journey is important for the ops team because many of the questions and issues you'll handle relate to where an investor is in this process.
The Journey at a Glance
Every investor follows a path that looks roughly like this:
Registration is the one-time account setup: name, email, phone, accreditation. Identity is where the investor provides personal information for verification (KYC). Profile is where they choose how to invest (as an individual, through an LLC, etc.). Funding Source is where they choose how to pay (bank transfer or wire). And finally, Invest is where they commit capital to a deal.
Common Investor Paths
Not every investor goes through the same steps. The path depends on their profile type and funding method. Here are the most common paths:
| Path | Steps | Description |
|---|---|---|
| US Individual + Bank (ACH) | 5 steps | Identity, Individual profile (auto-created), choose bank pull, link bank via Plaid, invest |
| US Individual + Wire | 4 steps | Identity, Individual profile (auto-created), choose wire, invest |
| US Entity + Bank (ACH) | 6 steps | Identity, choose entity type, fill entity form, choose bank pull, link bank, invest |
| IRA or DAF | 4 steps | Identity, choose IRA/DAF, fill custodian/sponsor form, invest (funding auto-set to external) |
| Returning User | 2-3 steps | Select existing profile, choose funding source (if needed), invest |
What Happens Behind the Scenes
While the investor moves through these steps, the system is doing things in the background that the investor never sees:
- Identity data is saved incrementally -- as the investor fills in their information, it's saved to the server in real time (not just in their browser). If they close the tab and come back, their progress is preserved.
- Verification is non-blocking -- identity and entity verification never blocks the investor's journey. When the investor submits their identity information, they can immediately continue with the rest of onboarding and invest. The system verifies their identity in the background after they commit an investment. Whether verification also blocks the payment dispatch depends on the compliance policy (see Verification & Readiness), but currently verification does not block payments.
- Background KYC fires on investment commit -- when the investor creates an investment, the system automatically submits KYC to the compliance provider in the background. This is a fire-and-forget process -- it never blocks the investment or payment flow, and the investor is never aware of it. If the compliance provider flags an issue, the admin team handles it manually.
What's in This Section
- Registration -- The account creation process (before onboarding)
- Identity Verification -- Providing personal information for KYC
- Investment Profiles -- Choosing how to invest (Individual, LLC, Trust, etc.)
- Funding Sources -- Choosing how to pay (bank, wire, external)
- Making an Investment -- What happens when the investor clicks "Invest"
Last updated Apr 22, 2026
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