Linqto’s Complete Guide for International Investors

Investing in private markets requires a clear understanding of eligibility, accreditation verification, and financial regulations. For international investors, compliance with U.S. regulations and accreditation standards is essential. This guide provides key insights into the accreditation verification process, identity verification and funding options.

Investment Eligibility for Global Investors

Linqto welcomes investors from most countries*

SEC (U.S. Securities and Exchange Commission) Regulation D Compliance

Linqto operates under Regulation D, which means all investors, including international members, must meet U.S. accreditation standards.¹

How To Qualify As An Accredited Investor

To qualify as an accredited investor under U.S. SEC regulations, you must meet one of the following:

• Income-Based Qualification: At least $200,000 annual income (or $300,000 combined with a spouse) for the past two years, with an expectation of maintaining the same level.
• Net Worth Qualification: At least $1 million in net worth, excluding the value of your primary residence.
• Professional Criteria:
  • Investment professionals in good standing holding the Series 7, Series 65, or Series 82 licenses.
  • Any family client of a family office that qualifies as an accredited investor.

There are two ways to verify an investor as accredited:

1. Document the fulfillment of the $1 million wealth threshold
2. Document the fulfillment of the annual income threshold.

All accreditation documents must be submitted in English and be dated within the last 90 days for net worth verification or include official tax documents for income verification.

How to Verify Your Identity

Before funding your account, you must verify your identity. Linqto uses Plaid for identity verification  which often includes providing documentation.

Plaid Identity Verification

• Click Verify Your ID and input your country of residence and phone number.
• A verification code will be sent to your phone. In Plaid you will need to manually enter:
  • Basic information (legal name, address, phone number, date of birth, SSN for U.S. residents, For non-U.S. Persons: Social Security Number, Passport Number and Country of Issuance, or other similar identification number²).
  • Verify identity via Plaid’s database and with your documentation.
•  Documents you  may be prompted to provide may include  a passport, driver’s license, or residency permit.
• For more information on identify verification, visit our Help Center.

Once your identity is verified, you can proceed to accreditation verification and funding your Linqto account.

Funding and Managing Your Linqto Account

Once your accreditation is verified, you can fund your Linqto account using one of the following methods:

Uphold Wallet

Uphold is a separate company from Linqto that provides a digital wallet supporting U.S. dollars, foreign currencies, and cryptocurrencies. These assets can be used to fund your Linqto account.

• Select Uphold Wallet to be redirected to Uphold.
• Sign in to connect your wallet to Linqto.
• Choose from available currencies to convert and transfer.
• If transferring a non-USD currency, Uphold will handle the conversion for a fee.
• Deposits via Uphold are instantly available.

Note: Currently, only individual accounts can connect Uphold wallets. Entity support is in development. For full details, visit Uphold’s website.

Bank Account (Plaid ACH Transfer)

Linqto partners with Plaid to facilitate ACH transfers, allowing secure fund transfers using online banking credentials.

• Select Bank Account to begin the Plaid linking process.
• Enter your phone number and proceed.
• Search for your financial institution and sign in.
• Choose the account to link and verify ownership.
• Once linked, deposits up to $25,500 are instantly available, with a maximum of two unsettled deposits.

Note: ACH transfers are only available for U.S. banks. International investors should use wire transfers or Uphold. For more details, visit Plaid’s website.

Wire Transfer

Wire transfers are an effective option for larger allocations or international investors.

• Select Wire Transfer to view bank transfer instructions.
• Each Linqto account (e.g., individual, entity) has a unique account number.
• Domestic wires use a routing number; international wires require a SWIFT/BIC.
• Domestic wires typically take 1-3 business days; international wires take 3-5 business days.
• You will receive an email confirmation once funds are available.

For more information on funding your account, visit our Help Center.

Have Questions?

Our Customer Success team is here to help! Contact us at invest@linqto.com for assistance with accreditation verification, funding, or withdrawals.

*There are restrictions for certain countries based upon the recommendations from the global Financial Action Task Force. https://www.fatf-gafi.org/en/topics/high-risk-and-other-monitored-jurisdictions.html

1. https://www.law.cornell.edu/cfr/text/17/230.501 ↩︎
2. ↩︎