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Frequently Asked Questions

Got a few questions about how investing works on ArawakX? We’ve got you covered.

Getting Started

On ArawakX, you support startups and early-growth companies that you are passionate about. This is different from helping a company raise money on Kickstarter. You aren’t buying products or merch. You are buying a piece of a company and helping it grow. In time, you may make a profit on your investment if the company grows and becomes more successful, and your investment holdings become worth more.

The majority of offerings on ArawakX are common stock, but some companies raise capital through convertible note, debt, and revenue share. You can invest in companies from all kinds of industries, from agri-tech to professional carnival groups.

With Regulation Crowdfunding, a non-accredited investor shall not in any 12-month period invest more than ten thousand dollars in a single crowdfunding distribution or invest more than fifty thousand dollars total with respect to more than one distribution. Where after two consecutive years have elapsed, a non-accredited investor may be reclassified as an elective professional client. There are no restrictions for accredited investors.

In Regulation A Crowdfunding, the above investing rules will also apply.

Direct to Public Offering, the investing rules will also apply.

An accredited investor is a person who has a networth exceeds $1 million or earned at least $250,000 in income for each of the two past years or $300,000 if combined with a spouse.

An accredited investor is also any person other than an individual with total assets in excess of $5 million (not formed for purpose of purchasing the securities offered), or an entity in which all of the equity owners are accredited investors or an Investment Manager registered with the Commission or a foreign jurisdiction or a person residing outside of the Bahamas who qualifies as an accredited investor in his/her country. For more definitions of an accredited investor, refer to Section 2 (1) of the Securities Industry Regulation, 2012.  A non-accredited investor is everyone else!

Calculating net worth involves adding up all your assets and subtracting all your liabilities. The resulting sum is your net worth.

Anyone over 15 years of age can invest on ArawakX . However, if you are younger, a parent could invest in your name by setting up a trust.
Investment opportunities posted and accessible through the site will not be offered to Non-Accredited US, Canadian & UK resident investors.

Potential investors are strongly advised to consult their legal, tax and financial advisors before investing. The securities offered on this site are not offered in jurisdictions where public solicitation for offerings is not permitted; it is solely your responsibility to comply with the laws and regulations of your country of residence.

Regulation Crowdfunding, Regulation A and Direct to Public Offering help entrepreneurs crowdfund capital investments from unaccredited and accredited investors. The differences between these regulations are related to the differing amounts of money companies are permitted to raise and differing disclosure and filing requirements. To learn more, see our Rules Page.

All available financial information can be found on the campaign pages for all offerings. For companies raising capital you can find that information under the “Terms” tab.

If a company does not reach their minimum funding goal, all funds will be returned to the investors within 10 business days after the closing of their offering.
Should an issuance be over-subscribed – and exceed the maximum fund-raising goal, no additional investor money will be taken. The method for distribution of shares, should the issuance be oversubscribed, can be: (i) filled on a pro-rata allotment; (ii) filled on first come first served basis; or (iii) filled using another allocation method that is published in the offering memorandum.

To contact the company directly, please leave a comment for them on their campaign via the comments section and a member of their team will respond to you shortly. Please note that you cannot use or leave your personal email address as the company can only communicate with investors through the ArawakX platform.

You can reset your password by clicking “Forgot Password”, which is located on the Login page below “Password.” Once you click “Forgot Password,” you will be asked to enter your email. After you enter your email and click “Submit,” we will send you further instructions.

Once the email arrives, please open it and click on the “Reset your password” link provided. You will then be prompted to enter a new password and confirm that password. After you do so, you will be logged in and redirected to the main ArawakX  page. Once logged in, you will be able to reserve shares, follow companies, and/or invest.

All ArawakX users are automatically subscribed to our newsletter. If you would like to sign up to be a part of the ArawakX community, please go to LINK to receive our newsletters, reserve shares and invest!
It is very easy to unsubscribe from any emails or company updates, that you no longer want to receive. Every email that we send out has an unsubscribe link under the signature of the email. Simply click the link, and you will automatically be unsubscribed from these sorts of emails.

To deactivate your account, you can go into your user settings here and click the “Deactivate My Account” button. We are sad to see you go!

If you have questions that have not been answered in the FAQ, feel free to email us at or call (242) 603-5270. We will do our best to answer your questions within 24 hours.


Offerings on ArawakX are completely free for investors, as ArawakX makes its money by charging fees to the company raising money. That being said, there are dividend distribution fees and secondary market (trading) fees. To see a complete listing of our fees, please click here.

If you are paying via a wire transfer, there may be additional fees charged by your bank related to the transfer of funds. In the event that you make a wire transfer, please be sure to talk to your banking institution about the fees involved, so that you can pay any additional transfer fees needed. ACH and credit card investments do not include additional fees but are still subject to additional fees when applicable.

We understand your concern regarding the security of your Social Security Number/ National Insurance Board Number. We ask for your SSN due to regulatory requirements and fraud checks.

On ArawakX, you can invest in two ways: Individually or as an entity like a corporation or Limited Liability Company.
We currently accept four forms of payment: Direct Deposit, Wire Transfer, Sand Dollar and Banker’s Cheque/Draft.
Please note: international investors can only pay through Wire Transfer.

Direct Deposit

A client can complete a direct payment from their bank account at any major financial institution to ArawakX’s escrow account.

Wire Transfers

A client can complete a wire transfer from their bank account at any major financial institution to ArawakX’s escrow account. Wire transfers are completed outside of the ArawakX platform, meaning you will need to contact your bank independently to execute the transfer. We send three separate emails reminding you to execute a wire transfer. Until we receive payment from your bank, the status of your investment will remain “not received.”

Sand Dollar

A client can complete a Sand Dollar payment from their wallet at one of major financial providers to ArawakX’s Sand Dollar wallet.

Banker’s Cheque/Draft

A client can complete a payment by Banker’s Cheque/Draft at any of our community investment centers.

Please Note: Personal cheques will not be accepted.


After completion of your subscription for an investment, wire instruction will be forwarded to your email and posted under payment instructions.

If you have received an email that says “Error with your investment,” then that means there is information that needs to be verified before the investment can be processed. The link in the email will redirect you to a ArawakX page asking you to input some additional information. Once you submit the required information, the system will begin processing your investment. We will reach out to you directly if we require any further information.

Once the company closes on your funds, you will receive a confirmation email from the company with details about your investment, along with a copy of your subscription agreement with a record of your shares. Depending on when the company requests a disbursement (close on funds), this could be a few weeks, or months, after the original investment was submitted.

Your shares are owned as “book-entry,” which is how most stocks are issued today. It means that you do not get a physical stock certificate, and instead, shares are held via electronic record by the issuing company’s transfer agent. The benefit of electronic book-entry shares is that it minimizes the costs and problems of lost or missing certificates, which can be overwhelming for companies to manage.

At the close of an offering, all investors whose funds have “cleared” by this time will be included in the disbursement. At this time, each investor will receive an email from ArawakX with their Countersigned Subscription Agreement, which will serve as their proof of purchase moving forward.

If you are getting this error message, it means that you have exceeded the amount that you are allowed to invest during a 12-month period.
With Regulation Crowdfunding, a non-accredited investor shall not in any 12-month period invest more than ten thousand dollars in a single crowdfunding distribution or invest more than fifty thousand dollars total with respect to more than one distribution. Where after two consecutive years have elapsed, a non-accredited investor may be reclassified as an elective professional client. There are no restrictions for accredited investors.

In Regulation A Crowdfunding, the above investing rules will also apply.

Direct to Public Offering, the investing rules will also apply.

Portfolio Management

ArawakX assists companies in raising capital, and once the offering is closed, they will be listed on our secondary market. However, ArawakX cannot guarantee the quality of any investment. In addition, we are not permitted to provide financial advice. You may want to contact a financial professional to discuss possible investment outcomes

Once the live offering has closed, subject to certain restrictions you may choose to  sell your shares on our secondary market.  Please see our trading rules
Investors are generally restricted from reselling shares for a one-year period after they were issued, unless the shares are transferred:
  • to the company that issued the securities;
  • to an accredited investor
  • to a family member (defined as a child, stepchild, grandchild, parent, stepparent, grandparent, spouse or spousal equivalent, sibling, mother-in-law, father-in-law, son-in-law, daughter-in-law, brother-in-law, or sister-in-law, including adoptive relationships.);
  • in connection with your death or divorce or other similar circumstance;
  • to a trust controlled by you or a trust created for the benefit of a family member; as part of an offering registered with the SCB.

You can view your signed subscription agreement by logging into your ArawakX account. Click your name in the top right hand corner, and select “View Investments”. You should see a list of all of your investments that have the option to view your signed Subscription Agreement.

Note: You will not be able to view your signed subscription agreement until the company closes on your funds, and your status changes from “received” to “invested”.

For Regulation Crowdfunding, investors have the right of withdrawal by submitting written notice to ArawakX no later than three (3) business days after the date of the agreement to purchase the security.
Where a purchaser has exercised the right of withdrawal, the platform shall repay the funds within two days of the purchaser’s request.
For further information please see Securities Industry (Business Capital) Rules 2021; Section 12. (LINK)

To view your investment status follow these steps:

  • Login to your ArawakX account
  • Once you are logged in, click your name in the top right hand corner
  • Click “My Investments”
  • Click “View Current” and the status of your investment can be found next to the company you invested in
  • Or simply click here to go to your Investment Dashboard once logged in Different stages of investments:

Incomplete – You have begun the investment process but have not completed all of the steps to finalize your investment. Make sure that you click the green “Submit” button after clicking “Invest Now” on the campaign home page. Once you have submitted your investment, you will receive a confirmation email immediately following submission. If you elected to pay by wire, instructions will be emailed to you.

Submitted – You have successfully submitted your investment, and it is currently pending. It could be pending because the offering has not yet reached their minimum funding goal, the funds have not yet left reached the escrow account, or are still undergoing the necessary checks. If there is any problem with your investment, you will be notified by ArawakX.

Cleared – ArawakX has received your payment for your investment, and we have successfully verified all of the required investor checks. There is nothing else that you need to do at this time.

Invested – After the company has conducted a close on their offering, those investments that have cleared will be then moved to “Invested.” This means your funds have been disbursed to the company you have chosen to invest in, and you can no longer get a refund on your investment.

ArawakX cannot give you any tax or investment advice. You may want to consult a tax advisor regarding your investment and any questions regarding your taxes as an investor. However, we can provide you with some useful information on how it may affect you for the upcoming tax year.

The company or its trustee is responsible for providing tax documents directly to their investors, to reflect any loss.

Once an investor sells a capital asset, and realizes a gain, the capital gain may be taxable.

Upon request we can provide you with the necessary information.

Once you sell a capital asset, at a loss, this  may qualify as a capital loss and can be used to offset capital gains.

Upon request we can provide you with the necessary information.

Trading on Secondary

ArawakX Secondary (“Secondary”) is our investor trading platform. ArawakX Secondary is a Marketplace registered with the SCB and operated by Mdollaz Ltd.

In the beginning, ArawakX Secondary will only be available to companies that have previously raised funding on ArawakX. Companies have to sign a quotation agreement with ArawakX to allow their investors to trade on ArawakX Secondary. 
In the near future, it is possible that companies that have raised capital via Regulation Crowdfunding and Regulation A+ on other equity crowdfunding platforms trade on Secondary. We may even introduce other assets to Secondary besides shares in companies.

Local residents over 15 years old can open an Investment Account. International accredited investors only.

Secondary allows investors to trade with each other in a peer-to-peer marketplace. Sellers can post offers to sell a specific number of shares by setting a minimum price. Buyers can post offers to buy a specific number of shares by setting maximum price. If a match is made, then the trade is executed. See below for more details. MATCHING ALGORITHM

For Companies:  The first year of being listed on Secondary will be free. Subsequent years there will be a listing cost for the platform. Additionally, companies must be current with their fees for ArawakX.

For Investors: Opening an account to trade on Secondary is free! Buying shares on Secondary is free! Selling shares on Secondary will incur a 0.5% transaction fee.

You can access ArawakX Secondary at You will need to open an Investment Account if you have not already in order to access the platform.

Investors can place orders on ArawakX Secondary during market hours. However, each stock trading on ArawakX Secondary will have individual market hours. Market hours are the times at which our matching engine will match orders with each other. The market hours are Wednesdays between 11 a.m. and 1 p.m. Eastern Standard Time.

Users can place orders during market hours, and clearing (matching orders) will only occur during market hours.


Submitting a buy or a sell order is really straightforward! Head to your investment account at, and select the “Trade” button in the top right corner. To the right of the page, you’ll see the trade widget. Select whether you want to buy or sell.
If you’re buying, enter the number of shares you’d like to purchase, and the maximum price you’re willing to pay.
If you’re selling, enter the number of shares you’d like to sell, and the minimum price you’re willing to accept for the shares.
To view the current buy/sell orders on the market, you can scroll down to the “Order Book” which will show you the current buy/sell orders. Enter a buy order above the lowest sell order, or a sell order below the lowest buy order to increase your chances of the trade being executed.

Trade orders will only be executed during market hours for the security you wish to trade. For example, the market hours for ArawakX shares are Wednesday, 11 am-1pm ET. Trade orders expire after each day’s market hours. If your order is not cleared in that window, then you will need to resubmit your trade order again. If you have trouble finding a buyer or seller for your order, try adjusting your asking price!

We were able to fill part of your order at your desired price, but there wasn’t enough demand to meet your entire offer before your order expired. Trade orders are filled based on a few criteria. In order of priority, those are the asking price, the time the order was submitted, and then finally the size of the order. Try submitting the rest of your order another day or adjusting your asking price to fill the rest of your original order.


You can cancel your order at any time before the order is matched by Secondary. After an order is matched, there is no possibility of a cancellation or a refund.
Note: if your order is partially filled, you will be unable to cancel the rest of our order. Your order will remain open until it expires at the end of the day. We are working to provide this ability in future updates. Thank you for your patience.

There are no market makers on ArawakX Secondary. A market maker is a participant or a company that actively buys and sells securities (in a National Market System) on both sides of the market in order to provide liquidity while profiting from the difference in the buy (“bid”) and sell (“ask”) spread.

Securities purchased in a Regulation Crowdfunding transaction cannot be resold for one year. This means that investors cannot sell their shares that they purchased in a Regulation Crowdfunding offering on Secondary for one full year from the time of the initial investment if a company has signed a quotation agreement and is in good standing.
Thus, ArawakX Secondary is an option for Regulation Crowdfunding Companies 1 year after their offering and initial issuance of those securities, however, they must meet ArawakX’s listing requirements, which center around # of investors, valuation, total assets, and a sufficient number of available shares.

Regulation A offerings do not have the same limitations as Regulation Crowdfunding offerings. ArawakX Secondary will initially be available for Regulation A offerings and issuances (shares issued in the offering) immediately. If a company agrees to be quoted on Secondary, they’ll be able to announce that their shares will become immediately tradable upon the close of their campaign.

Direct to Public Offerings do not have the same limitations as Regulation Crowdfunding offerings. ArawakX Secondary will initially be available for Direct to Public Offerings and issuances (shares issued in the offering) immediately. If a company agrees to be quoted on Secondary, they’ll be able to announce that their shares will become immediately tradable upon the close of their campaign.

We cannot provide investment or financial advice. We are only able to help with issues related to the platform. If you have questions about investments or returns, please contact an investment professional for advice.

Investment Accounts

Your Investment Account is what will allow you to hold funds and trade on ArawakX Secondary. We require all users to open an Investment Account (which is part of, but separate from, your ArawakX Account). All funds and assets in your Investment Account will be held by our banking partner Prime Trust LLC.

Timing can vary, but for most users, the process to open an account is under a few minutes, and funding your account takes one to two days.

We require personal information due to banking regulation.

We also require you to complete a suitability questionnaire to make sure your financial goals are in line with your investments.

For now, accounts will be limited to individual cash accounts. We hope to add Joint, Trust, and IRA accounts at a future date.

Once you open your Investment account, you can transfer funds from your bank. The name on the account you are transferring funds from should match the name on your Investment Account.

The current iteration of the accounts do not have this feature, but it is in the product roadmap for the near future.

If a red error shows in your Investment Account, please see if you can update your information within your account. If no error shows, or your account requires manual review, please call (242) 603-5270.

You can withdraw funds from your Investment Account at any time after a 10 day waiting period (from the time of your initial transfer). Your withdrawal cannot exceed the funds available and the funds pending use in your account. Under certain conditions, you may be required to provide additional information for security purposes. Please note when you initiate the withdrawal in your account, you will then get an email from our banking partner, Prime Trust, to confirm the withdrawal. If you don’t get this email, please check spam and then call (242) 603-5270.

You can only link one bank account at any given time to your account. If you would like to change your bank account, please call (242) 603-5270.


A company which intends to apply to list its securities on the marketplace will be subject to certain requirements which it may or may not be able to satisfy in a timely manner. Even if a company is qualified to list its securities on the market, there is no guarantee that a demand for these securities will exist. Even if a company does meet the requirements for listing its securities, we do not know the extent to which investor interest will lead to the development and maintenance of a liquid trading market. You should assume that you may not be able to liquidate your investment for some time or be able to pledge these shares as collateral.