BeMyBond

Name

BeMyBond

Legal name

UAB "Perfect Sunday"

Website

https://bemybond.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Debt Crowdfunding Platform

NAICS

Investment Banking and Securities Intermediation (523150), Securities and Commodity Exchanges (52321)

SIC

Loan Brokers (6163)

akta.pro primary industry

Bond Auction & Primary Issuance Platforms (FSAFACAH)

akta.pro secondary industries

Electronic Bond Trading Networks (Dealer-to-Client / All-to-All) (FSAFACAE), Private Placements (144A/Reg S/MTN) (FSACABAK)

Keywords

• Bond investment platform
• Debt crowdfunding
• Retail bond investing
• Corporate bond marketplace
• Fixed income platform

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Borrowing company fees: Platform is primarily financed by charging companies that want to borrow through BeMyBond in the form of bonds
2. Investor administration fees: Symbolic fee of up to 0.5% of the investment amount applied to investors to cover costs related to the administration of the investor's account, including electronic wallet and securities account maintenance

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

BeMyBond is a regulated digital crowdfunding platform that enables retail and high-net-worth investors to invest in professionally curated corporate bond projects with minimum investments as low as €100-€1,000. The platform aggregates bond offerings from real estate developers, renewable energy companies, and business lenders primarily in Lithuania and Latvia, with target annual returns of 7-10%. The end-to-end offering includes online registration with KYC verification, electronic wallet funding, project selection with proprietary risk ratings, automated interest payments, and securities custody.

Product overview

BeMyBond is a bond crowdfunding platform that enables retail investors to access professionally curated corporate bond investments. The platform operates as a single unified system comprising investor onboarding (registration with KYC via Ondato), an electronic wallet (powered by ConnectPay), securities account management (via Kapitalo Srautai), and a marketplace of bond investment projects spanning real estate development, renewable energy (battery storage), and business lending sectors. The core platform offers investment projects with annual interest rates ranging from 5.75% to 10.5%, bond terms of 6-30 months, and proprietary risk ratings to guide investor decisions.

Differentiator

Problem solved

Functional benefit

Products and services

• BeMyBond Bond Investment Platform Core digital crowdfunding platform enabling retail and high-net-worth investors to invest in professionally curated corporate bond projects from real estate developers, renewable energy companies, and business lenders, with target returns of 7-10% annually.
• Investment Projects (Bond Offerings) Individual bond investment opportunities listed on the platform spanning residential and commercial real estate projects, battery energy storage systems, co-working space operators, family entertainment parks, and business lending providers, each with defined interest rates (5.75%-10.5%), terms (6-30 months), and proprietary risk ratings.
• Investor Registration & KYC Onboarding Self-serve account registration workflow including identity verification via Ondato, investor classification (sophisticated/non-sophisticated), electronic wallet opening, and securities account setup, completing the onboarding process in 5-10 minutes.
• Electronic Wallet (E-wallet) Digital wallet powered by ConnectPay enabling investors to deposit funds, execute bond investments, and receive interest payments and principal returns, with support for top-ups and withdrawals to bank accounts.
• Securities Account Dedicated securities account for safekeeping of bonds purchased through the platform, provided in partnership with Kapitalo Srautai, allowing investors to track bond holdings and receive automated interest payments.
• Project Risk Assessment Proprietary numerical risk evaluation system that assesses borrowers and projects using criteria including project data, borrower reputation, financing structure, and leverage ratios, providing risk ratings from A+ to B to guide investor decision-making.

Quantifiable outcome

• Average annual returns of 7-10% for investors
• +3 more outcomes

Named customers16 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Bank of LithuaniacoreOthers · 16 April 2024Regulatory supervisor. BeMyBond received EU crowdfunding service provider license (License No. 13) from Bank of Lithuania on April 16, 2024, enabling legal operation of the bond investment platform.
• NFQ TechnologiescoreTechnology or IntegrationIT solutions provider for platform development and maintenance
• CreditOnlinecoreTechnology or IntegrationIT solutions provider contributing to platform infrastructure
• OndatocoreTechnology or IntegrationIdentity verification system (KYC) used during investor registration process for identity confirmation
• Kapitalo SrautaicoreTechnology or IntegrationSecurities account provider for safekeeping of investor bonds
• ConnectPaycoreTechnology or IntegrationElectronic money institution providing e-wallet services for platform; enables fund transfers, account blocking services (24/7 at +370 666 44600)
• FORT LegalcoreImplementation/ SI/ Consulting PartnerLegal services provider for the platform
• Unicorns Lithuania AssociationminorOthersIndustry association membership; BeMyBond joined in September 2024 to connect with Lithuanian startup and tech ecosystem
• Lithuanian Fintech Association (LFA)minorOthersIndustry association membership for fintech companies operating in Lithuania
• Talent Garden VilniusminorOthersCoworking space provider; BeMyBond office located at Talent Garden Vilnius since October 2024

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• HeavyFinance: European marketplace focused on agricultural and climate-financing loans for SMEs. Comparable as a regulated EU crowdfunding marketplace, but serves a different asset class and target borrower.
• Debitum Network: European SME lending marketplace built on blockchain-based invoice and loan tokenization. Comparable as an alternative-investment marketplace targeting retail investors, though on the lending rather than bond side.

Direct peers

• Crowdestate: Baltic-origin real estate crowdfunding platform. Closely comparable in product (curated RE investment projects), geographic focus, and retail investor onboarding model.
• Profitus: Lithuanian crowdfunding platform focused on real estate and business loans. Direct domestic competitor to BeMyBond, sharing the same regulatory jurisdiction and Lithuanian investor base.
• Estateguru: Estonian real estate crowdfunding platform operating across the Baltics and broader EU. Direct competitor for BeMyBond's core RE-bond issuance marketplace, with overlapping issuer base and similar retail/HNW investor audience.

Regional players

• Invesory: Lithuanian equity crowdfunding platform. Comparable as a regulated Lithuanian investment crowdfunding venue, but focused on equity rather than bonds.
• Companisto: Germany-headquartered equity and silent-participation crowdfunding platform. Comparable as an EU-licensed investment crowdfunding venue, but operates in a different geography and asset class (equity, not bonds).

Broad incumbents

• Twino: European peer-to-peer lending marketplace headquartered in Latvia. Comparable as a Baltic-rooted, EU-regulated investment marketplace channeling retail capital to private credit, though focused on consumer/SME loans.
• Housers: Spain-headquartered European real estate crowdfunding platform with broader geographic reach. Comparable in retail-access RE investing, though operates at larger scale and primarily in Southern Europe.
• Mintos: Latvian lending/investment marketplace and incumbent in the Baltic fintech space. Comparable in marketplace model and retail-investor angle, though broader and loan-focused rather than bond-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bemybond
• LinkedInlinkedin.com/company/bemybond
• Instagraminstagram.com/bemybond

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 BeMyBond