Shelters

What Shelters does

Shelters Venture SAS is a French fintech (SAS, registered in Lyon under RCS 951 452 119) that operates a fractional real estate investment platform targeting individual retail investors in the EU/EEA. The company enables users to invest in curated real estate financing operations starting from €10, with a target yield of up to 15% per annum. Investors access the platform via a self-serve web application at app.shelters.finance, complete KYC through Veriff, connect a non-custodial MultiversX wallet, and subscribe to projects via Stripe or xMoney payment rails. To date, the platform has collected €520,000+ across 3 financed projects, including the currently active Résidence Craponne operation (64% funded, 24-month duration).

The underlying technology stack is built around tokenization on the MultiversX blockchain, where each investment is represented as a non-fungible token (NFT) corresponding to a bond claim (droit de créance obligataire) on a specific real estate financing operation. Tokens are freely transferable on-chain to compatible wallets, and Shelters covers gas fees for platform-created wallets. The platform integrates non-custodial wallet infrastructure, Stripe and xMoney for fiat payments, Veriff for identity verification (GDPR, SOC2 Type II, ISO 27001, WCAG compliant), and AWS for cloud hosting with servers located in Europe. Investors receive monthly financial flows (interest and principal repayments) in euros or euro-pegged stablecoins (USDC/EURC).

The business model is described as a spread between returns paid to investors and the actual performance of financed properties, supplemented by fees for structuring and administering bond agreements. The company does not charge explicit platform subscriptions or entry fees. Distribution is purely product-led: no sales team is referenced; acquisition occurs through content marketing (blog, newsletter, SEO), social media (LinkedIn, X, Instagram, Discord), AI chatbot integrations, and Trustpilot reviews. The team is small (4 known members including co-founder and President Adrien Vandenbossche), registered capital is €1,750, no external funding rounds have been disclosed, and the company operates without a parent entity.

Name

Shelters

Legal name

Shelters Venture SAS

Website

https://shelters.finance

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Shelters is a French fintech platform that enables EU/EEA retail investors to invest fractionally in real estate from €10, using MultiversX blockchain tokens representing bond claims on curated property financing operations with target yields up to 15% per annum.

Ownership category

akta.pro rank

Product category

Fractional Real Estate Investment Platform

NAICS

Funds, Trusts, and Other Financial Vehicles (525), Other Financial Vehicles (525990)

SIC

Asset-Backed Securities (6189), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Real Estate Tokenization Platforms (FSADAEAC)

akta.pro secondary industry

Tokenized Securities & Capital Markets Infrastructure (equities, bonds, funds, ATS/MTF connectivity) (FSAPAIAD)

Keywords

• Fractional real estate investing
• Blockchain tokenization
• Real estate crowdfunding
• Bond-backed investing
• Digital asset investing

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Spread on Financing Operations: Shelters structures and finances real estate operations, charging investors a yield (up to 15% target) while generating the difference through rental income and asset appreciation. The platform retains a margin between the return paid to investors and the actual performance of the financed properties.
2. Bond Agreement Administration: Shelters earns fees for structuring, administering, and managing financing operations including the issuance of bond contracts (Contrats Obligataires), KYC processing, payment management via Stripe/xMoney, and wallet infrastructure. No explicit platform fee is charged to investors per the terms of use.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Shelters operates a fractional real estate investment platform enabling individual investors to participate in curated property financing operations starting from €10. Each investment is structured as a bond agreement (Contrat Obligataire) and represented on-chain as a non-fungible token on the MultiversX blockchain, granting the holder a fractional claim on the underlying real estate operation with target yields up to 15% per annum and monthly distributions.

Product overview

Shelters is a fractional real estate investment platform that enables users to invest in selected real estate projects starting from €10. The platform operates as a unified system combining three core components: (1) the main Shelters Platform for discovering and investing in property opportunities, (2) Bond Agreements as the contractual investment vehicle governing terms and returns, and (3) Token/Fraction NFTs on the MultiversX blockchain representing bond claims. The platform integrates a Digital Wallet for non-custodial token storage, a Secure Payment System via Stripe and xMoney, and Real-Time Portfolio Tracking for monitoring returns. Additional content is provided through the Blog section covering educational materials on fractional investing and real estate markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Shelters Platform Main online platform where individual investors discover curated real estate financing opportunities, complete KYC, connect a non-custodial wallet, invest from €10 per project, and track portfolio performance in real time. Designed for EU/EEA retail investors seeking low-ticket real estate exposure.
• Résidence Craponne Financing Operation Specific real estate financing operation in Craponne, France, currently open to platform investors. Structured as a bond agreement with defined duration, target return, and repayment schedule.
• Bond Agreement (Contrat Obligataire) Formal French-law bond contract governing each financing operation; defines investor rights, interest rate, repayment terms, distribution schedule, duration, and risk disclosures. Materializes the bondholder claim (droit de créance obligataire).
• Token/Fraction (NFT) Non-fungible token (NFT) issued on the MultiversX blockchain that represents the investor's fractional bond claim on a specific real estate financing operation. Tokens are freely transferable on-chain and serve as proof of ownership of the underlying bond agreement rights.

Quantifiable outcome

• Target yield up to 15% per annum on financed real estate operations
• +3 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• VeriffcoreTechnology or IntegrationVeriff is a regulated European identity verification company (based at 39 Tatari St., 10134 Tallinn, Estonia) entrusted with Shelters' KYC/AML compliance program. It performs full user identification, document verification, and ongoing AML monitoring. Veriff is fully compliant with GDPR, CCPA/CPRA, SOC2 Type II, ISO 27001, and WCAG Accessibility Guidelines — making it a core compliance infrastructure partner.
• Stripe Technology EuropecoreTechnology or IntegrationStripe is Shelters' primary Payment Service Provider (PSP) for processing investor contributions on the platform. Located at Grand Canal Street Lower, Dublin, Ireland. Handles secure payment processing, encryption, and fraud protection for all fiat transactions. Stripe's terms of use are incorporated into Shelters' general terms.
• xMoneycoreTechnology or IntegrationxMoney is Shelters' secondary Payment Service Provider (PSP), based at Tornimäe tn 3/5, Kesklinna linnaosa, Tallinn, Harju maakond, 10145. Acts as an alternative payment processing option alongside Stripe for handling investor contributions and fund flows.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS provides cloud hosting infrastructure for Shelters' platform and applications, with servers located in Europe. AWS compliance documentation (EU Data Protection) is referenced in Shelters' legal notices. AWS is a critical infrastructure partner ensuring platform availability and data security.
• MultiversX (Blockchain)coreTechnology or IntegrationMultiversX is the blockchain network on which Shelters issues its investment tokens (NFTs representing bond claims). The blockchain provides the technical infrastructure for transparent, secure, and transferable digital ownership records without a central controlling authority. Gas fees for platform-created wallets are covered by Shelters.

Scale indicators4 records

Recent moves6 records

Expansion highlights10 records

Direct peers

• RealT: US-based platform issuing tokenized fractional ownership of rental properties on Ethereum/Gnosis Chain. Closest comparable to Shelters in product structure (blockchain-native fractional real estate with monthly distributions), though serving US rather than EU investors.
• Reental: Spanish fractional real estate investment platform tokenizing properties and distributing rental income via smart contracts. Directly comparable to Shelters in EU focus, blockchain-based fractional ownership, and retail investor onboarding.
• Lofty: Fractional real estate investing platform enabling tokenized property ownership with daily rental payouts. Comparable in PLG retail approach, low minimum tickets, and on-chain representation of ownership claims.

Broad incumbents

• CrowdEstate: European real estate crowdfunding platform offering fractional exposure to income-producing properties. Comparable in retail-investor targeting and EU real estate deal structuring, though without the blockchain/tokenization layer.
• EstateGuru: Pan-European real estate crowdfunding marketplace (non-blockchain) connecting investors with property-backed loans across 20+ countries. Comparable as an EU retail-facing real estate investment platform serving the same investor profile.

Emerging players

• Solidblock: Real estate tokenization platform enabling issuers to fractionalize properties and distribute to investors via security tokens. Comparable in the RWA tokenization layer and target use case of fractional property exposure.
• Blocksquare: Slovenia-based tokenization infrastructure provider for real estate, offering white-label tokenization on Polygon and other chains. Comparable as an EU-focused RWA tokenization peer, though more infrastructure-oriented than direct consumer investing.
• Tangible: RWA tokenization platform offering tokenized real estate, fine wine, and other yield-bearing assets via its TNGBL token on Polygon. Comparable as an RWA retail platform with tokenized yield, though broader in asset scope.
• Realio: Web3 real estate investment platform issuing tokenized fractional ownership with a regulated marketplace. Comparable in tokenized real estate distribution to retail and accredited investors via blockchain rails.

Regional players

• Property Partner: UK-based fractional property investment platform (now part of the Bricklane.com group) historically offering buy-to-let fractional ownership with rental income distributions. Comparable as a regulated EU-adjacent fractional real estate platform, though UK-focused.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/Sheltersfinance
• LinkedInlinkedin.com/company/shelters-finance
• Instagraminstagram.com/shelters_finance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Shelters