Getting Started for Investors

This section describes how individual investors join the Stobox 4 ecosystem, complete identity verification, receive an MPC wallet, fund it, participate in tokenized offerings, and manage their assets. It reflects the correct architecture: MPC wallets are issued only to individuals and hold both stablecoins and tokenized assets.

Business entities do not receive MPC wallets; they use Operational Vaults (embedded wallets) integrated at the issuer level.

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Creating an Investor Account

Individual investors enter Stobox 4 through:

• The issuer’s Investor Portal

• The main Stobox 4 investor entry point

• Distributor or partner platforms integrated through Stobox APIs

Registration Steps

1. Click Sign Up.

2. Enter your email and a password.

3. Fill in basic profile information.

4. Confirm your email address.

5. Access your investor dashboard.

At this stage, the account exists but cannot yet interact with regulated offerings until verified.

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Completing KYC Verification

Since MPC wallets belong exclusively to individuals, only KYC is required at this stage; no KYB processes apply to MPC wallet issuance.

KYC Requirements

Individuals must submit:

• A government-issued identity document

• Personal information

• Optional residency proof (if required by issuer compliance settings)

• Investor classification declarations (such as accredited or professional investor status)

Post-KYC Outcome

Once approved:

• The investor receives a Stobox DID, which contains their verified identity attributes

• A personal MPC wallet is automatically verified

• The investor gains access to available offerings based on their eligibility

No business-level verification is attached to MPC wallets, as they are strictly personal wallets.

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Investor Types & Eligibility

Investors receive a classification based on:

• KYC results

• Jurisdiction

• Self-declared (or verified) investor category

• Offering requirements

Supported Investor Types

• Retail (where legally allowed)

• Accredited

• Professional / Qualified

• Institutional (if investing as individuals representing an institution)

Businesses investing as a corporate entity use a separate onboarding flow, which issues a vault wallet, not an MPC wallet.

Eligibility Enforcement

Stobox 4 automatically matches:

• The investor’s DID attributes

• Compliance rules of each STO

• Jurisdictional access limitations

• Regulatory constraints

If the investor does not qualify, the offering is hidden or marked as restricted.

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Receiving and Funding the MPC Wallet

Every verified individual receives a personal MPC wallet.

What Is an MPC Wallet?

A Multi-Party Computation (MPC) wallet:

• Splits private-key material into multiple pieces

• Ensures no single key exists at any time

• Removes the need for seed phrases

• Provides institution-level security for individuals

What the MPC Wallet Stores

The wallet is capable of holding:

• Stablecoins (e.g., USDC)

• Native chain tokens (for gas)

• Security tokens and tokenized assets (STV3 tokens)

• Any RWA tokens issued via Stobox 4 that support the wallet’s chain

This is the correct and updated functionality.

What MPC Wallets Do NOT Handle

• They do not support KYB

• They do not belong to corporate or institutional entities

• They do not act as issuer operational wallets

• They do not handle treasury or STO deployment actions

Those functions are reserved for Operational Vaults.

Funding the MPC Wallet

Funding options depend on jurisdiction and issuer settings:

• On-chain deposit from external wallets

• Fiat-to-stablecoin conversion (if enabled)

• Payment channels integrated into the Investor Portal

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Browsing and Evaluating Tokenized Offerings

After verification and wallet activation, investors can browse offerings they are eligible to participate in.

Offering Pages Include

• Project overview

• Token economics

• Asset structure

• Rights and obligations

• Offering documents

• Risk factors

• Compliance and eligibility criteria

• Important dates and subscription limits

Compliance-Based Visibility

The platform automatically filters offerings based on:

• DID identity attributes

• Investor category

• Jurisdiction

• Offering rules

Investors only see compliant opportunities.

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Completing an Investment

Investing through Stobox 4 is designed to be simple and compliant.

Investment Steps

1. Select an eligible offering.

2. Review information and associated legal documents.

3. Enter the desired investment amount.

4. Sign subscription documents electronically.

5. Approve payment from the MPC wallet.

6. Receive tokenized assets directly into the MPC wallet.

Compliance Checks Before Approval

Stobox 4 automatically validates:

• DID and identity status

• Jurisdiction and regulatory compliance

• Investor category

• AML/KYT checks

• Transaction limits

• Offering-specific restrictions

Non-compliant transactions are automatically blocked.

Token Allocation

After payment, STV3 smart contracts:

• Mint or transfer the tokens

• Deliver them directly to the investor’s MPC wallet

• Apply lock-ups or vesting schedules

• Link the holding to the investor’s DID for compliance

The portfolio dashboard updates instantly.

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Managing Holdings & Corporate Actions

Investors can view and interact with their assets through their dashboard.

Holdings Overview

Investors can view:

• Token balances (stored in their MPC wallet)

• Valuation indicators

• Lock-up periods

• Vesting schedules

• Distribution history

• Investment transaction history

Corporate Actions Supported

Depending on token design:

• Voting

• Governance approvals

• Consents

• Redemption participation

• Conversion events

• Buybacks

These operations integrate DID identity, the MPC wallet, and the STV3 protocol.

Distributions

Issuers distribute:

• Dividends

• Interest

• Revenue-share payouts

• Redemptions

• Refunds

These payments are sent directly to the investor’s MPC wallet.

Transfers

Transfers of tokenized assets are allowed only if:

• STV3 rules permit it

• Compliance checks pass

• The recipient has a valid DID and MPC wallet

Unauthorized transfers are blocked.

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Summary

Investors in Stobox 4 benefit from:

• A simple onboarding and KYC process

• Personal MPC wallets with institutional-grade security

• The ability to store stablecoins and tokenized assets in one wallet

• Automatically enforced eligibility for offerings

• A streamlined, compliant investment process

• Instant token allocation into the MPC wallet

• Clear portfolio and lifecycle management tools

• Receipt of payouts directly to their MPC wallet

• Access to voting, governance, and redemption events

• Controlled transfer mechanics based on DID and STV3 compliance

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