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Legal Entities

Account creation for legal entities requires manual verification of submitted documentation. We welcome entities from most jurisdictions, with a few exceptions due to regulatory requirements. Please check our geographical restrictions before proceeding.

PROCESSING TIME

Standard applications are typically processed within 24 hours of complete documentation submission.

Account Creation Steps​

1. Security Setup​

The first step involves verifying your email, choosing your password, and setting up two-factor authentication, which will be necessary for operations on the platform such as withdrawals or changing bank accounts.

2. Investment Profile​

French law requires us to assess your financial experience and objectives. Upon account validation, you will receive personalized investment advice based on your responses.

3. Required Documentation​

You will be required to submit several documents related to your entity, namely:

  • A Proof of Registration: this is the legal document which evidences the formation or registration of your legal entity in your country. It can be:

    • A Certificate of Existence
    • An Extract of the Trade register
    • A Certificate of Good Standing
    • A KBis (for French companies)

  • The Articles of Association: this document governs and regulates the activities of the entity. It can be:

    • By-Laws
    • Articles of Association
    • A Memorandum of Association
    • Corporate Statuses

  • The List of Ultimate Beneficial Owners: please provide a document listing all individuals with more than 25% beneficial ownership of the entity, with their first and last name, place and date of birth. This document can be:

    • Shareholders Register
    • By-Laws
    • Minutes of General Meetings
    • Extract of an Official Register
    • Extract of the Entity Register
    • An Excel Spreadsheet (If the document is not issued by a Government or Registry, please ensure the document contains the following statement signed by a Director of the entity "I confirm and attest that this document is true, valid and accurate as of DD/MM/YYYY")

  • A proof of the amount of your turnover or the amount of your equity: this document should allow us to check the source of funds you invest. It can be:

    • The latest Annual Tax Notice of your entity
    • The Annual Accounts Statement of your entity
    • A Proof of a recent fundraising
HAVE A QUESTION ON THESE REQUIREMENTS?

Please contact us at contact@spiko.io, we’ll come back to you shortly.

4. Official ID and biometric verification​

You will be required to scan a personal official ID document and go through a biometric verification step. We work with Onfido, a leading tech provider for online identification. We accept the following types of ID documents:

  • passports
  • national identity cards

5. Proof of address​

Depending on your situation, we might ask you for a proof of address. We accept the following documents:

  • Bank statements
  • Utility Bill (electricity, water, gas, broadband, landline)
  • Benefits Letter (e.g. Job seeker allowance, House benefits, Tax credits)
  • Mortgage statement
  • Local Government Tax Letter
  • Mobile phone bill (from EU countries only)