Version: 1.0
Date: December 2025
White Paper in accordance with Markets in Crypto Assets Regulation (MiCAR) for the European Union (EU) and European Economic Area (EEA).
Purpose: Public Offer in EU/EEA
Prepared and filed by: Invest 4B SARL
This crypto-asset white paper has not been approved by any competent authority in any Member State of the European Union. The offeror of the crypto-asset is solely responsible for the content of this crypto-asset white paper.
The offer is not addressed to U.S. persons or residents. The token offering has not been registered with the U.S. Securities and Exchange Commission (SEC) and is not available to retail investors from the United States.
2025-12-10
This crypto-asset white paper has not been approved by any competent authority in any Member State of the European Union. The offeror of the crypto-asset is solely responsible for the content of this crypto-asset white paper.
This crypto-asset white paper complies with Title II of Regulation (EU) 2023/1114 of the European Parliament and of the Council and, to the best of the knowledge of the management body, the information presented in the crypto-asset white paper is fair, clear and not misleading and the crypto-asset white paper makes no omission likely to affect its import.
The crypto-asset referred to in this white paper may lose its value in part or in full, may not always be transferable and may not be liquid.
The utility token referred to in this white paper may not be exchangeable against the good or service promised in this white paper, especially in the case of a failure or discontinuation of the crypto-asset project.
The crypto-asset referred to in this white paper is not covered by the investor compensation schemes under Directive 97/9/EC of the European Parliament and of the Council or by the deposit guarantee schemes under Directive 2014/49/EU of the European Parliament and of the Council.
This summary should be read as an introduction to the crypto-asset white paper.
The prospective holder should base any decision to purchase this crypto-asset on the content of the crypto-asset white paper as a whole and not on the summary alone.
The offer to the public of this crypto-asset does not constitute an offer or solicitation to purchase financial instruments and any such offer or solicitation can be made only by means of a prospectus or other offer documents pursuant to the applicable national law.
This crypto-asset white paper does not constitute a prospectus as referred to in Regulation (EU) 2017/1129 of the European Parliament and of the Council or any other offer document pursuant to Union or national law.
Standard and Network: Invest4B (INV4B) is a token based on the Ethereum blockchain (ERC-20 standard). It has been designed exclusively to provide digital access to the services of the Invest4B ecosystem.
The tokens were generated in a single issuance upon deployment of the smart contract, with a total supply amounting to 6,000,000,000 INV4B. The issuance is closed (fixed supply) - the contract does not allow for any further minting of new tokens, thereby eliminating the risk of inflationary dilution of token value in the future.
Main Utility Function: The INV4B token does not serve as a means of payment outside the Invest4B platform and does not grant holders any corporate rights (such as dividends, ownership rights, voting rights in the company, etc.).
Its sole purpose is to be utilized within the project - possession of tokens will be required to gain full access to the advanced financial services offered in the Invest4B application.
Examples of possible uses for the token within the ecosystem (all strictly utility-based, not financial) include:
All of the above potential benefits for token holders are descriptive in nature and are strictly linked to the use of the Invest4B platform.
They do not constitute any form of guaranteed profit or financial remuneration. None of the rights arising from holding INV4B includes entitlement to any monetary benefit or participation in the company’s profits - the token is of utility value, not investment value.
The INV4B token does not serve as a means of payment outside the Invest4B platform and does not grant holders any corporate rights (such as dividends, ownership rights, voting rights in the company, etc.).
Its sole purpose is to be utilized within the project - possession of tokens will be required to gain full access to the advanced financial services offered in the Invest4B application.
Examples of possible uses for the token within the ecosystem (all strictly utility-based, not financial) include:
All of the above potential benefits for token holders are descriptive in nature and are strictly linked to the use of the Invest4B platform.
They do not constitute any form of guaranteed profit or financial remuneration. None of the rights arising from holding Invest4B Token includes entitlement to any monetary benefit or participation in the company’s profits - the token is of utility value, not investment value.
The only purpose of Invest4B Token is to grant exclusive access to future banking services and to provide access to an innovative digital platform.
Invest4B has entered into agreements with professional IT service providers who have already begun work on developing the technology and architecture of the future platform.
The expenses incurred to date have been covered by Invest4B’s shareholders, and the funds raised through the public offering will enable the continued development and enhancement of the platform after the public offer ends.
Conversion to Bank Hybrid Token (Invest4B): It should be emphasised that Invest4B is a transitional token, intended to finance the investment phase.
Upon achieving key project milestones (in particular, the Invest4B company obtaining a banking licence), it is planned to convert the INV4B token into the target Bank4B Tokens.
The conversion will enable access to the full range of banking services in the Invest4B ecosystem.
Detailed conversion conditions will be specified in a separate communication prior to the launch of the Invest4B token.
Until the conversion is completed, the Invest4B token remains fully transferable - holders may manage it freely (store in compatible wallets, transfer to other users).
The trade functionality is blocked, the token cannot be publicly traded on any exchange.
Note: The success of the project and the execution of the conversion are not guaranteed - there is a risk that the INV4B token may not achieve its intended functionality if the project is not implemented as planned.
The conversion will occur only if Invest4B obtains a banking license and launches the Bank4B Tokens - failure to meet these conditions means the conversion will not take place.
Total supply: 6,000,000,000 INV4B (100%). The allocation of tokens has been planned as follows:
Team Vesting Schedule: Tokens allocated to the team (2.5% of the supply) are subject to long-term lock-up and a release schedule to safeguard the interests of token purchasers and mitigate potential conflicts of interest. The following rules have been established:
Thanks to these measures, the risk of excessive token supply on the market in a short period is limited, and the interests of purchasers are protected against potential concentration of tokens in the hands of the team and the resulting market impact.
Use of Raised Funds: Funds raised from the sale of tokens will be allocated according to the needs of the Invest4B project. The main directions for capital utilisation are:
The issuer undertakes to transparently report the use of funds from the ICO. Periodic financial reports will be published to enable token purchasers to monitor the progress of the project and the manner in which the collected capital is spent.
Invest 4B SARL
Invest 4B SARL - Private limited liability company (SARL - société à responsabilité limitée)
2, rue Jean Engling, L-1466 Luxembourg, Grand Duchy of Luxembourg
2, rue Jean Engling, L-1466 Luxembourg, Grand Duchy of Luxembourg
2025-11-21
984500956F58F146D117
B302069
+ 48 12 311 03 96
info@invest4b.eu
Thirty (30) days
Not Applicable
| Full Name | Business Address | Function |
|---|---|---|
| Katarzyna Pacek | 2, rue Jean Engling, L-1466 Luxembourg, Grand Duchy of Luxembourg | CEO (A class) |
| Aleksandra Popiereczna | 2, rue Jean Engling, L-1466 Luxembourg, Grand Duchy of Luxembourg | Board member (B class) |
The Company's corporate purpose is to conduct activities related to the creation, development, deployment, marketing and maintenance of digital solutions, including, but not limited to, systems and platforms based on blockchain technology, artificial intelligence and information technology.
The Company may issue, implement and maintain its own non-investment-related tokens, used to access the features offered within its platforms and ecosystems.
However, the Company shall not engage in regulated financial activities or services requiring prior authorisation under Luxembourg law.
Not Applicable
True
Not Applicable
Invest 4B has maintained limited size and complexity, and has a small organizational footprint, with no (or minimal) full-time staff.
Since its registration on the 21th of November 2025, Invest 4B was capitalized by its shareholders at the time of its incorporation.
Share capital is fixed, with an amount of 12 000 Euro, and payout status as total.
The capitalization of Invest 4B and the ongoing support from its shareholder will ensure Invest 4B is sufficiently funded to cover these and other ongoing expenses.
False
Omitted - not applicable
Omitted - not applicable
Omitted - not applicable
Omitted - not applicable
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Omitted - not applicable
Omitted - not applicable
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Omitted - not applicable
Omitted - not applicable
Invest4B
Invest4B
INV4B
Invest4B (INV4B) is a token based on the Ethereum blockchain (ERC-20 standard). It has been designed exclusively to provide digital access to the services of the Invest4B ecosystem.
The tokens were generated in a single issuance upon deployment of the smart contract, with a total supply amounting to 6,000,000,000 INV4B.
The issuance is closed (fixed supply) - the contract does not allow for any further minting of new tokens, thereby eliminating the risk of inflationary dilution of token value in the future.
| Full Name | Business Address | Function |
|---|---|---|
| Katarzyna Pacek | 2, rue Jean Engling, L-1466 Luxembourg, Grand Duchy of Luxembourg | CEO |
| Aleksandra Popiereczna | 2, rue Jean Engling, L-1466 Luxembourg, Grand Duchy of Luxembourg | Board member |
True
The INV4B token does not serve as a means of payment outside the Invest4B platform and does not grant holders any corporate rights (such as dividends, ownership rights, voting rights in the company, etc.).
Its sole purpose is to be utilized within the project - possession of tokens will be required to gain full access to the advanced financial services offered in the Invest4B application.
Examples of possible uses for the token within the ecosystem (all strictly utility-based, not financial) include:
All of the above potential benefits for token holders are descriptive in nature and are strictly linked to the use of the Invest4B platform.
They do not constitute any form of guaranteed profit or financial remuneration. None of the rights arising from holding INV4B includes entitlement to any monetary benefit or participation in the company’s profits - the token is of utility value, not investment value.
Conversion to Hybrid Token (Bank4B Tokens): It should be emphasised that Invest4B is a transitional token, intended to finance the investment phase.
Upon achieving key project milestones (in particular, the Invest4B company obtaining a banking licence), it is planned to convert the INV4B token into the target Bank4B Tokens.
The conversion will enable access to the full range of banking services in the Invest4B ecosystem.
Detailed conversionconditions will be specified in a separate communication prior to the launch of the Bank4B Tokens.
Until the conversion is completed, the Invest4B token remains fully transferable - holders may manage it freely (store in compatible wallets, transfer to other users).
Tokens allocated to the team (2.5% of the supply) are subject to long-term lock-up and a release schedule to safeguard the interests of token purchasers and mitigate potential conflicts of interest.
The following rules have been established:
Thanks to these measures, the risk of excessive token supply on the market in a short period is limited, and the interests of purchasers are protected against potential concentration of tokens in the hands of the team and the resulting market impact.
Funds raised from the sale of tokens will be allocated according to the needs of the Invest4B project.
The main directions for capital utilisation are:
The issuer undertakes to transparently report the use of funds from the ICO. Periodic financial reports will be published to enable token purchasers to monitor the progress of the project and the manner in which the collected capital is spent.
OTPC
The purpose of the public offer is to build an environment enabling conversion of tokens and launching it for utility token holders.
50 000 000 Euro
1 000 000 Euro
75 000 000 Euro
True
In case of very high demand, the sale may close early, with additional interest redirected to secondary offerings or post ICO initiatives.
0,20 Euro - Round 1; 0,25 Euro - Round 2; 0,35 Euro - Round 3; 0,45 Euro - Round 4.
Euro
0,00
The sale price of Tokens depends on the stage of the Offering, which is divided into 4 rounds. The lowest prices will be available in the initial rounds.
6 000 000 000
ALL
The offer is not addressed to U.S. persons or residents. The token offering has not been registered with the U.S. Securities and Exchange Commission (SEC) and is not available to retail investors from the United States.
As a rule, the Invest4B ICO does not impose a strict maximum investment limit. Holder may purchase larger amounts of tokens, provided their investments remain within the available pool for a given round and within the overall hard cap. However, to maintain balance and decentralization of the investor base, the team reserves the right to limit the maximum allocation per person during the first ICO round.
In subsequent rounds, as the token supply expands, such restrictions may be relaxed or lifted. This policy will be clearly communicated before the start of each round.
Purchasers participating in the offer to the public of crypto-asset will be able to be reimbursed if the minimum target subscription goal is not reached at the end of the offer to the public, if they exercise the right to withdrawal provided for in Article 13 of Regulation (EU) 2023/1114 of the European Parliament and of the Council or if the offer is cancelled.
The Refund shall be made using the same means of payment as used by the retail holder in the original transaction, unless the retail holder expressly agrees otherwise.
The retail holder shall not incur any fees or costs in connection with such a refund.
The refund will be made within 14 days.
The public offer is divided into 4 separate subscription periods (rounds), which follow each other chronologically after the previous one ends.
A different Token price applies within each round. Rounds constitute finite entities, each with its own completion date. Funds raised in a given round are secured until the end of that round and the expiry of the withdrawal period.
Round 1:
Start date: 2026-01-08
End date: 2026-02-05
Round 2:
Start date: 2026-02-05
End date: 2026-03-05 (or until the pool is sold out)
Round 3:
Start date: 2026-03-05
End date: 2026-04-30 (or until the pool is sold out)
Round 4:
Start date: 2026-04-30
End date: 2026-06-25 (or until the pool is sold out)
The prices of tokens sold to private investors prior to the public offering may differ from the price in the public offering.
The price depends on the investor's capital and their potential level of involvement in the project.
Subsequent token prices in the public offering may vary depending on the stage of the offering (round).
The negative impact on other investors will be mitigated by limiting unfair behaviour and excessive accumulation of tokens by the same entity.
True.
2026-01-08
2026-12-14
The results of the public offering will be published on the Invest4B website within 20 working days of the end of the subscription period.
The offeror provides effective solutions for monitoring and securing cash or other crypto assets obtained through the public offering.
To this end, the offeror ensures that the cash raised through the public offering will be held by a crypto-asset service provider providing custody and administration of crypto-assets on behalf of clients, selected by this purpose.
The payment mechanism is fully integrated with the website (Platform) and includes especially payment intermediary services.
The Reimbursement shall be made using the same means of payment as used by the retail holder in the original transaction, unless the retail holder expressly agrees otherwise.
The retail holder shall not incur any fees or costs in connection with such a refund.
Tokens purchased during the ICO may be delivered directly to investors’ Ethereum wallets after purchase (if the smart contract allows), or allocated within the system and distributed after each round or after the ICO ends.
Funds collected during the token sale are stored in multisignature wallets, which require several independent signatures to authorize any transaction.
The Invest 4B token has been created according to the ERC-20 standard, ensuring full compatibility with the existing Ethereum infrastructure.
It can be safely stored in popular wallets (such as MetaMask or Trust Wallet) and freely transferred or listed on exchanges supporting ERC-20 tokens.
Cryptoassets are transferred to the users automatically after all requirements are met, based on a smart contract.
The earliest transfer of the crypto-asset acquired as a result of this public offering can occur at the date 2026-01-08, while the latest date is 2026-06-25.
Any party intending to hold Invest4B Token must own, or has an authorized agent who owns, a blockchain wallet compatible with Invest4B Platform.
The purchaser needs a device with internet access that is suitable for using financial services.
In particular, such a device should enable a secure user's wallet (with a password and a backup of the seed phrase) and prevent private keys from being shared.
Not applicable
Not applicable
NTAV - Not applicable
Not applicable
Not applicable
Users will need to comply with the registration, KYC, and access procedures of those platforms.
Not applicable
€6,000 per month for platform maintenance and IT support for managing the platform's website.
The expenses will be covered by the capital of the Offeror shareholders or from sources other than the funds paid by the token purchasers.
No potential conflicts of interest have been identified.
The Offeror ensures the protection of the interests of smaller investors, while still enabling participation by larger entities.
The applicable law governing this white paper and any disputes relating to information required under MiCAR shall be Luxembourg law.
The Courts of the Grand Duchy of Luxembourg, determined by applicable law in Luxembourg.
Crypto-asset other than an asset-referenced token or electronic money token.
The INV4B token is the native, fungible utility crypto-asset of the Invest4B project and is deployed on the Ethereum blockchain.
It is designed exclusively to enable access to functionalities and services within the Invest4B digital banking ecosystem.
The token does not grant any contractual, governance, dividend, redemption, profit-participation, or similar rights against the issuer or its affiliates.
Accordingly, INV4B is not classified as an asset-referenced token or an electronic money token under the definitions of the MiCA Regulation, but rather as a utility token.
Holders use INV4B to unlock specific digital services inside the Invest4B platform, including—but not limited to—preferential fee tiers, premium access features, early access to new modules, eligibility for selected loyalty programs, and participation in community or testing activities.
Token possession is the sole criterion for accessing such benefits.
Users are fully responsible for the custody of their wallets and private keys, as INV4B is stored and transferred using standard ERC-20 compatible, non-custodial wallets.
Transfers of INV4B occur natively on the Ethereum network, which operates under a Proof-of-Stake consensus mechanism ensuring secure, energy-efficient, and decentralized settlement.
Network fees are paid in ETH, not in INV4B.
The token’s total supply is fixed at 6,000,000,000 INV4B, minted in a single issuance at contract deployment, with no mechanism allowing future minting.
Distribution occurs according to the published allocation plan (private sale, public sale, team vesting, partners, development, marketing, and strategic reserve).
In a later phase, contingent on the Invest4B offeror obtaining a banking license, INV4B may be converted into the Bank4B Tokens.
OTHR
CORR
The Invest4B ecosystem is a global digital finance platform built around the INV4B utility token.
INV4B will entitle to the future banking services.
The environment will allow access to premium features, reduced fees, loyalty benefits, and selected platform services.
It is not a payment token or financial instrument and carries no governance, profit, redemption, or contractual rights.
INV4B operates on the Ethereum blockchain, benefiting from Ethereum’s Proof-of-Stake consensus for secure and efficient settlement.
Users hold their tokens in non-custodial wallets, retaining full control over their private keys.
INV4B
https://invest4b.eu/
2026-01-08
2026-01-07
The issuer does not provide any other services at this time. In the future, the issuer plans to obtain a banking licence.
English
Not applicable
Not applicable
True
True
True
Grand Duchy of Luxembourg
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
Purchasers are entitled to own Invest4B tokens, engage in future potential governance and utilize the tokens for accessing future banking ecosystem services.
They must comply with all relevant laws and follow the Regulations published on Invest4B website.
Users are solely responsible for managing their private keys and ensuring compliance with applicable laws and regulations when transacting with Invest4B tokens.
The manner and conditions for exercising rights and obligations are described in more detail in the regulations available on the Invest4B platform website.
Any modifications to rights and obligations may result in particular from changes in generally applicable law.
Modifications to rights and obligations will be reflected in changes to the Regulations published on the Invest4B platform website.
Each set of Regulations is marked with the date of update.
Users will be notified of each update via a notification on the website.
Not Applicable. No future public offerings are currently planned. Any change to this decision will be announced publicly.
2,500,000,000 INV4B (41.67%).
A significant portion of tokens remains with the issuer as a reserve for future use within the Invest4B ecosystem.
This pool is intended to ensure the long-term stability of the project - it may be used to finance subsequent development stages, provide liquidity for the future Bank4B Tokens, or meet other operational needs.
Tokens from the reserve will not be introduced to the market without justified necessity and appropriate notification - initially, they will be locked and inactive in circulation.
Tokens from the reserve cannot be introduced to circulation without an updated whitepaper and appropriate announcement in accordance with Article 10 MiCA.
True
INV4B token does not serve as a means of payment outside the Invest4B platform and does not grant holders any corporate rights (such as dividends, ownership rights, voting rights in the company, etc.).
Its sole purpose is to be utilized within the project - possession of tokens will be required to gain full access to the advanced financial services offered in the Invest4B application.
Examples of possible uses for the token within the ecosystem (all strictly utility-based, not financial) include:
All of the above potential benefits for token holders are descriptive in nature and are strictly linked to the use of the Invest4B platform.
They do not constitute any form of guaranteed profit or financial remuneration.
None of the rights arising from holding INV4B includes entitlement to any monetary benefit or participation in the company’s profits - the token is of utility value, not investment value.
It should be emphasised that Invest4B is a utility token, intended to finance the investment phase.
Upon achieving key project milestones (in particular, the Invest4B company obtaining a banking licence), it is planned to convert the INV4B token into the target Bank4B Tokens.
The conversion will enable access to the full range of banking services in the Invest4B ecosystem.
Detailed conversion conditions will be specified in a separate communication prior to the launch of the Invest4B token.
Until the conversion is completed, the Invest4B token remains fully transferable - holders may manage it freely (store in compatible wallets, transfer to other users).
Note: The success of the project and the execution of the conversion are not guaranteed - there is a risk that the INV4B token may not achieve its intended functionality if the project is not implemented as planned (see the Risk Factors section for further details).
The conversion will occur only if Invest4B obtains a banking license and launches the Bank4B Token - failure to meet these conditions means the conversion will not take place.
False
After the public offering is completed, the token will not be listed on any exchange or trading platform.
The issuer does not provide a secondary market, and the token may only be used within the Inbest4B ecosystem in accordance with its functional purpose.
The restrictions are set out in the applicable law.
Invest4B reserves the right to regulate this issue in the Terms and Conditions available on the Platform's website.
False
Not applicable
False
Not applicable
False
Not applicable
The applicable law governing this white paper and any disputes relating to information required under MiCAR shall be Luxembourg law.
The Courts of the Grand Duchy of Luxembourg, determined by applicable law in Luxembourg.
The INV4B token operates as a smart contract in the ERC-20 standard on the Ethereum network, which provides a decentralised, public and immutable transaction ledger.
Ethereum is a public Proof-of-Stake (PoS) blockchain.
Distributed Ledger Technology (DLT) describes a decentralized and distributed network system architecture where multiple participants maintain and verify a shared database.
Unlike traditional databases, DLT systems do not rely on a central authority to ensure data consistency and security.
Rather, they distribute control across a network of computers (nodes) and require all changes to be recorded and agreed by the nodes.
This distributed approach enhances the resilience and security of such a system, and transparency of the data stored in it without the need for trust between the actors of the systems.
Blockchain technology is a subset of DLT, where the distributed database maintains a continuously growing list of records, called blocks, which are linked together in chronological order and secured using cryptographic techniques.
Invest4B (INV4B) is a token based on the Ethereum blockchain (ERC-20 standard).
ERC-20 is a token standard on Ethereum defining transfer, balance, authorisation and Web3 wallet compatibility functions.
It has been designed exclusively to provide digital access to the services of the Invest4B ecosystem.
The tokens were generated in a single issuance upon deployment of the smart contract, with a total supply amounting to 6,000,000,000 INV4B.
The issuance is closed (fixed supply) - the contract does not allow for any further minting of new tokens, thereby eliminating the risk of inflationary dilution of token value in the future.
Smart contract is written in Solidity, compatible with EVM (Ethereum Virtual Machine).
Smart contract operating in the Ethereum environment, using EVM transaction verification and security mechanisms.
INV4B token transactions are processed and finalised on the Ethereum network, using gas fees payable in ETH.
Proof-of-Stake (PoS) - the Ethereum network consensus mechanism, based on validators locking ETH.
PoS ensures transaction finality, resistance to attacks and high energy efficiency.
The Invest4B ecosystem relies on established, secure, and energy-efficient distributed ledger technologies to ensure integrity, transparency, and operational resilience.
In the initial phase, the INV4B utility token operates on the Ethereum blockchain, which uses a Proof-of-Stake (PoS) consensus mechanism.
PoS provides high security by requiring validators to stake economic value, making malicious behavior economically irrational and technically difficult.
True
The Invest4B token smart contract was developed in Solidity and deployed on the Ethereum network (contract address: 0x4b365...144f).
The contract is programmed to comply with the ERC-20 standard without any additional, non-standard features - it provides basic operations (minting at deployment, transfer, balance checking, permissions, etc.).
Importantly, the contract does not include any administrative functions that could compromise trust in the token: the contract owner (issuer) cannot mint additional tokens, freeze or confiscate tokens from users, block transfers, or modify contract parameters after deployment.
The code is immutable after deployment - the only authorised administrative action is the potential deactivation of the transaction fee (which by default is set at 0% and serves solely for compatibility with certain exchanges).
This streamlined structure is intended to minimise technical risk.
| Algorithm | Hash |
|---|---|
| SHA256 | 181E939E2DA25985F9C4BAC7BACACBB287C6F4EA6AF10B9E971B262C7B1E47EF |
To ensure complete investor security, the INV4B token smart contract underwent an independent security audit.
The audit was conducted by Coinsult - a renowned team of Web3 security specialists - on 4 November 2025.
The audit covered a manual review of the contract’s source code as well as automated scanning for known vulnerabilities.
Audit results:
The full Coinsult audit report (including a detailed list of checked items and the audit certificate) is available on request to interested parties and will be published on the project’s official website.
Additionally, the SHA-256 hash of the audit report and key metadata (contract address, audit date, code checksum) will be provided to allow third parties to independently verify the report’s authenticity.
Other security measures: Beyond the contract audit, the Invest4B project implements comprehensive ICT security measures: continuous monitoring of platform operations and transactions, regular application penetration tests, protections against DDoS attacks, data backup mechanisms and disaster recovery plans, as well as user security training (e.g. phishing warnings).
The priority is to ensure the system’s stability and operational continuity - however, like any IT system, the Invest4B platform may experience technical outages or incidents.
Investment in crypto-asset tokens involves a variety of risks.
The principal categories of risk associated with the Invest4B token, the future Banking project, and the broader market environment are presented below.
Each potential token purchaser should carefully consider these risks before deciding to participate in the project.
Regulatory risk: The legal environment concerning crypto-assets is still evolving.
There is a risk that changes in regulations (both within the EU and in other jurisdictions) or actions by supervisory authorities may negatively affect the project’s operations.
For example, stricter requirements for cryptocurrency services, additional licenses, or prohibitions may increase Invest4B's operational costs or delay the platform’s implementation.
The offeror monitors regulations (including the implementation of MiCA) and intends to act in full compliance; however, there is no guarantee that future regulations will not introduce restrictions on the issuance or trading of tokens or on the planned business model (e.g., the requirement to obtain a banking license - which the project already anticipates - or limitations on the use of DLT technology in banking).
Regulatory risks are also related to Bank System regulation, which determines the conditions under which the Banking Licence planned by the Invest4B project will be obtained, as well as the detailed conditions for the operation of such a project, and even details regarding the content of services provided to Utility Token holders.
Personal data breach risk: The Invest4B platform, as part of KYC/AML procedures, will process users’ personal data (e.g., identification data of investors exceeding certain investment thresholds).
Despite the use of protective measures (data encryption, access controls), there is a risk of data leakage or unauthorized access due to a hacking attack or human error.
A breach of user privacy could result in legal sanctions (under GDPR) and loss of project reputation.
Risks related to competition and demand for services: The fintech and crypto sectors are developing dynamically.
It is possible that competing projects (e.g., other banking platforms with tokens) will appear on the market and limit Invest4B’s potential to acquire users.
If the platform does not achieve its planned number of clients or fails to provide an attractive range of services, demand for the tokens (and therefore their value on the secondary market) may be lower than anticipated.
The success of the INV4B token is largely contingent on the business success of the platform—that is, on the token’s actual use within the ecosystem.
Risk of failure to realise token utility: The most significant risk for INV4B holders is the possibility that the project may not reach the stage at which the token attains its intended utility.
This could occur if Invest4B fails to obtain a banking licence, does not build a functioning product, or encounters insurmountable barriers.
In such a case, the INV4B token would remain solely a speculative asset, without the possibility of conversion to a Bank4B Tokens and without any real utility.
Conflict of interest risk: High token concentration or certain actions by entities associated with the project may generate conflicts of interest between the team and the community of token holders.
Regulatory Compliance Risks. Issuers of crypto-assets and other parties must adhere to a wide array of regulatory requirements across different jurisdictions.
Non-compliance can result in fines, sanctions, or the prohibition of the crypto asset offering, impacting its viability and market acceptance.
Operational Risks. These include risks related to internal processes, personnel, and technologies, which can affect their ability to manage crypto-asset operations effectively.
Failures in operational integrity might lead to disruptions, financial losses, or reputational damage.
Financial Risks. Parties face financial risks, including liquidity, credit, and market risks.
These could affect the issuer’s ability to continue operations, meet obligations, or sustain the stability or value of the crypto-asset.
The costs of maintaining the platform may increase, and therefore the offeror's shareholders undertake to maintain the share capital of the legal entity at an appropriate level and to increase it gradually in order to be able to bear the costs associated with the operation and maintenance of the platform, as well as its development.
Legal Risks. Legal uncertainties, potential lawsuits, or adverse legal rulings can pose significant risks to issuers.
Legal challenges may affect the legality, usability, or value of a crypto-asset.
Reputational Risks. Negative publicity, whether due to operational failures, security breaches, or association with illicit activities, can damage an issuer’s reputation and, by extension, the value and acceptance of the crypto-asset.
Marketing risk: In order to avoid the image of toxic marketing, the offeror does not plan to use aggressive advertising.
Due to the current MiCA restrictions on the marketing of crypto assets, the project may not be widely advertised, which may result in less interest in the public offering and its failure.
However, Invest4B shareholders plan to allocate an appropriate amount of money to marketing through the company's capitalisation in order to ensure optimal success in informing the public about the offering.
Technology Management Risks.
Inadequate management of technological updates or failure to keep pace with technological advancements can render a crypto-asset, or the project it is connected to, obsolete or vulnerable to security risks.
Dependency on Key Individuals.
The success of some crypto projects can be highly dependent on the expertise and leadership of key individuals.
Loss or changes in the project’s leadership can lead to disruptions, loss of trust, or project failure.
Conflicts of Interest.
Risks arise when the issuer’s interests do not align with those of the crypto-asset holders, potentially leading to decisions that are not in the best interests of the asset holders, impacting the value of a crypto-asset or damage the credibility of the project.
Counterparty Risks.
Risks associated with the offeror’s partners, suppliers, or collaborators, including the potential for non-fulfillment of obligations that can affect the offeror’s operations.
The Offerer has made efforts to present information in a reliable, clear, and non-misleading manner; however, it cannot guarantee the achievement of the project’s stated objectives or protect purchasers from all potential market threats.
It is recommended that interested investors seek independent financial or legal advice if they have doubts as to the nature of the token or the risks associated with it.
Not applicable
Irrevocable Token Transactions.
The use of a distributed ledger and blockchain technology, like Ethereum, creates a public record of token balances that is exceedingly difficult to change once it reflects a particular state.
This means that if a token transaction were executed in error or as a result of fraud or theft, such a transaction would not be practically reversible.
Consequently, Invest4B will be unable to replace missing or misappropriated tokens or seek or provide reimbursement for any such erroneous transfer, fraud, or theft.
The inability to reverse transactions or seek other forms of redress for such action, error, fraud, or theft could result in the permanent loss of some or all of your Tokens.
Immutability of Token Contract.
Invest4B is deployed on Ethereum blockchain via a smart contract that is immutable by design.
Once deployed, Invest4B contract code cannot be altered, upgraded, paused, or otherwise modified by Invest4B or any other party.
This includes the inability to patch bugs, add features, or otherwise improve the contract functionality after deployment.
You understand that any issues or vulnerabilities discovered post-deployment cannot be remediated by Invest4B.
Any changes or enhancements to the broader ecosystem surrounding Invest4B would require separate deployments, and such changes would not affect the original token contract.
The absence of upgradability or administrative control is intentional and aligns with the principles of trustlessness, but it also means that responsibility for evaluating and managing risk associated with use of Invest4B Tokens rests entirely with individual users.
Risks Associated with the Tax Treatment of Digital Assets.
Due to the new and evolving nature of digital assets and the absence of comprehensive legal guidance with respect to digital asset transactions, the taxation of digital assets is uncertain.
It is unclear what guidance may be issued in the future on the treatment of digital asset transactions for tax purposes.
Guidance under, or changes in, the tax laws applicable to digital assets, including Invest4B Tokens, could adversely impact your ability to use or engage in certain types of transactions with Invest4B Tokens.
You should consult a tax advisor with respect to the tax treatment of Invest4B Tokens in your jurisdiction.
The implementation of the project’s objectives requires effective management, an experienced team, and the acquisition of appropriate licenses (e.g., a banking license).
Delays in achieving milestones, the departure of key personnel, liquidity problems, or failure to obtain a banking license may significantly affect the project timeline and the token’s utility value.
For example, obtaining a banking license may take longer than planned or require additional capital; such delays may mean that the INV4B token remains without full utility (i.e., conversion to Bank4B Tokens) for an extended period.
Additionally, building a banking platform is a complex undertaking—potential technical or procedural issues (e.g., integration with payment systems, security testing) may generate extra costs or delays.
The project relies on complex IT systems (fintech applications, blockchain integrations, smart contracts).
Despite the adoption of best practices, there is a risk of software errors, infrastructure failures, or cyberattacks.
For instance, a critical vulnerability in a smart contract after deployment may be difficult to remedy (the immutable nature of the contract means faulty code cannot simply be “patched” as in traditional systems).
Although the INV4B contract has been audited, it cannot be ruled out that new vulnerabilities may be discovered in the future.
The platform’s IT infrastructure and Token Issuance (servers, databases) may also experience outages or breaches, which could result in temporary unavailability of Invest4B services or data loss.
The issuer endeavors to minimize this risk through audits, security testing, and system redundancy, but ICT risks can never be eliminated entirely.
Risks of Security Weaknesses or Attacks.
Cyberattacks and security breaches of the Services or the underlying network, or those impacting the Underlying network’s users or third parties such as decentralized applications or crypto wallets that interact with the Underlying network or Tokens, could cause you to lose Tokens.
The Underlying network could be vulnerable in a variety of ways, including but not limited to, malware attacks, denial of service attacks, consensus-based attacks, Sybil attacks, smurfing and spoofing, governance attacks, exploitable code, or any number of other currently known or novel methods of exploit.
Private Key Management Risk and Loss of Access to Crypto-Assets.
The security of crypto-assets heavily relies on the management of private keys, which are used to access and control the crypto-assets (e.g. initiate transactions).
Poor management practices, loss, or theft of private keys, or respective credentials, can lead to irreversible loss of access to crypto-assets.
Settlement and Transaction Finality.
By design, a blockchain’s settlement is probabilistic, meaning there is no absolute guaranteed finality for a transaction.
There remains a theoretical risk that a transaction could be reversed or concurring versions of the ledger could persist due to exceptional circumstances such as forks or consensus errors.
Under normal circumstance, however, once a transaction is confirmed, it cannot be reversed or cancelled.
Crypto-assets sent to a wrong address cannot be retrieved, resulting in the loss of the sent crypto assets.
Scaling Limitations and Transaction Fees.
As the number of users and transactions grows, a blockchain network may face scaling challenges.
This could lead to increased transaction fees and slower transaction processing times, affecting usability and costs.
Economic Self-sufficiency and Operational Parameters.
A blockchain network might not reach the critical mass in transaction volume necessary to sustain self-sufficiency and remain economically viable to incentivize block production.
In failing to achieve such inflection point, a network might lose its relevance, become insecure, or result in changes to the protocol’s operational parameters, such as the monetary policy, fee structure and consensus rewards, governance model, or technical specifications such as block size or intervals.
Network Attacks and Cyber Security Risks.
Blockchain networks can be vulnerable to a variety of cyber-attacks, where an attacker gains control of the majority of the network’s consensus, or DDoS attacks. These can disrupt the network’s operations and compromise data integrity, affecting its security and reliability.
Blockchain networks can be vulnerable to a variety of cyber-attacks.
Bugs in the Blockchain’s Core Code.
Even with thorough testing, there is always a risk that unknown bugs may exist in a blockchain protocol, which could be exploited to disrupt network operations or manipulate account balances. Continuous code review, audit trails, and having a bug bounty program are essential to identify and rectify such vulnerabilities promptly.
Smart Contract Security Risk.
Smart contracts are code running on a blockchain, executing the programmed functions automatically if the defined conditions are fulfilled. Bugs or vulnerabilities in smart contract code can expose blockchain networks to potential hacks and exploits. Any flaw in the code can lead to unintended consequences, such as the loss of crypto-assets or unauthorized access to sensitive data.
Dependency on Underlying Technology.
Blockchain technology relies on underlying infrastructures, such as specific hardware or network connectivity, which may themselves be vulnerable to attacks, outages, or other interferences.
Risk of Technological Disruption.
Technological advancements or the emergence of new technology could impact blockchain systems, or components used in it, by making them insecure or obsolete (e.g. quantum computing breaking encryption paradigms). This could lead to theft or loss of crypto-assets or compromise data integrity on the network.
Anonymity and Privacy Risk.
The inherent transparency and immutability of blockchain technology can pose risks to user anonymity and privacy. Since all transactions are recorded on a public ledger, there is potential for sensitive data to be exposed. The possibility for the public to link certain transactions to a specific address might expose it to phishing attacks, fraud, or other malicious activities.
Data Corruption.
Corruption of blockchain data, whether through software bugs, human error, or malicious tampering, can undermine the reliability and accuracy of the system.
Third-Party Risks.
Crypto-assets often rely on third-party services such as exchanges and wallet providers for trading and storage. These platforms can be susceptible to security breaches, operational failures, and regulatory non-compliance, which can lead to the loss or theft of crypto-assets.
Fraudulent Websites.
Some blockchain users have been targeted and/or have reported fraudulent websites, emails, text messages, and social media handles, often including embedded or published links, impersonating projects, persons, entities, or service providers of or associated with Invest4B for the purpose of defrauding users, stealing their digital assets, or otherwise unlawfully profiting from such activities. These fraud and theft risks may materialize in connection with Invest4B tokens, and you should remain extremely cautious about websites, emails, text messages, and social media handles, as well as any embedded or published links, that direct you to websites or to take actions, especially connecting to your Wallet.
Users must complete KYC (Know Your Customer) verification with identity proof and sometimes biometric / liveness checks.
This helps reduce fake accounts, sybil attacks, and identity fraud.
Invest4B publishes Safety Notices warning users about scams, impersonations, phishing attempts, and misuse of its name/trademark by unaffiliated parties.
Invest4B has a dedicated e-mail address for receiving such reports and conducting correspondence in this regard.
In addition, it ensures the implementation and updating of procedures related to user safety in this area.
| General information | |
|---|---|
| S.1 Name | Invest 4B |
| S.2 Relevant legal entity identifier | 984500956F58F146D117 |
| S.3 Name of the crypto-asset | INV4B |
| S.4 Consensus Mechanism | The INVEST4B token operates on the public Ethereum PoS network. The PoS mechanism does not require an energy-intensive block mining process, but is based on validators staking ETH. |
| S.5 Incentive Mechanisms and Applicable Fees |
The Invest4B ecosystem relies on established, secure, and
energy-efficient distributed ledger technologies to ensure integrity,
transparency, and operational resilience.
In the initial phase, the INV4B utility token operates on the Ethereum blockchain, which uses a Proof-of-Stake (PoS) consensus mechanism. PoS provides high security by requiring validators to stake economic value, making malicious behavior economically irrational and technically difficult. Consensus is achieved when a qualified majority of validators verify and confirm the correctness of transactions. The deterministic nature of BFT and its variants, such as delegated BFT or Proof-of-Authority configurations, ensures rapid block finality, making them suitable for mission-critical financial applications where predictability, security, and compliance are essential. By leveraging PoS in its initial phase and transitioning to a BFT-based ledger in its regulated banking phase, the Invest4B ecosystem combines open-network security with institutional-grade trust frameworks, thus ensuring a stable and compliant infrastructure for all utility functions and future banking services. verifying transactions and proposing blocks, and, as long as a majority of validators act honestly, the network remains secure. |
| S.6 Beginning of the period to which the disclosure relates | 2026-01-08 |
| S.7 End of the period to which the disclosure relates | 2027-01-08 |
| Mandatory key indicator on energy consumption | |
| S.8 Energy consumption | 82 000 kWh |
| Sources and methodologies | |
| S.9 Energy consumption sources and Methodologies |
Due to the prevailing interest of investors wishing to invest larger
sums of money in the project and the nature of the token as a utility
that cannot be traded on the stock exchange, the likely potential
number of transactions within the project on an annual basis will not
exceed the number of 10 000 000 transactions.
This assumption takes into account the planned amount of funds to be raised, the minimum capital of participants, and the potential transfer of cryptoasset values on an individual basis by users. The calculations were made based on the following sources: https://etherscan.io/chart/tx (Ethereum Daily Transactions Chart) (access: 2025-12-01) https://ccaf.io/cbnsi/ethereum (University of Cambridge Blockchain Network Sustainability Index) (Ethereum network power demand, updated every 24 hours) (access: 2025-12-01) The following data was obtained: Ethereum network power demand: 471.71 kW (P) (access: 2025-12-01) Ethereum Daily Transactions Chart: 1 380 993 (N_tx) (access: 2025-12-01) Total energy consumed by the network in 24 hours = E24h E24h = P × t E24h = 471.71 kW × 24 h = 11321.04 kWh E_tx = the energy per transaction N_tx = number of transactions during the same period (24 hours) E_tx = E24h / N_tx E_tx = 11321.04 kWh / 1 380 993 = 0.0082 kWh Assuming that the Offer concerns a utility token, that the Offer is planned to last up to 12 months, and taking into account the best-case scenario and high demand for the project, and assuming the number of 10 000 000 transactions with the offered Invest4B tokens, then: 10 000 000 × 0.0082 kWh = 8 200 kWh |