Investment Memorandum | Aurema Group<\/title>\n <meta name=\"description\" content=\"Aurema Group Investment Memorandum - Tokenized Real World Assets for Accredited Investors\">\n \n \n <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:wght@600;700&display=swap\" rel=\"stylesheet\">\n \n \n <style>\n @media print {\n body { font-size: 11pt; line-height: 1.5; color: #000; background: #fff; }\n .no-print { display: none !important; }\n .page-break { page-break-before: always; }\n a { text-decoration: none; color: #000; }\n .confidential-banner { position: fixed; top: 0; left: 0; right: 0; background: #fee2e2; color: #991b1b; padding: 8px; text-align: center; font-weight: 600; font-size: 10pt; border-bottom: 2px solid #ef4444; }\n }\n @page { margin: 2cm; size: A4; }\n <\/style>\n \n <style>\n * { box-sizing: border-box; margin: 0; padding: 0; }\n body { font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif; 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font-weight: 700; color: #1e3a8a; display: block; }\n .metric-label { font-size: 12px; color: #64748b; margin-top: 4px; }\n .structure-diagram { background: #f8fafc; padding: 24px; border-radius: 12px; margin: 20px 0; text-align: center; }\n .structure-item { background: white; padding: 12px 20px; margin: 8px auto; border-radius: 8px; border: 2px solid #1e3a8a; display: inline-block; min-width: 280px; font-weight: 500; }\n .structure-item.primary { background: linear-gradient(135deg, #1e3a8a 0%, #0f172a 100%); color: white; border-color: #1e3a8a; }\n .structure-arrow { color: #94a3b8; font-size: 20px; margin: 4px 0; }\n ul.checklist { list-style: none; margin: 16px 0; }\n ul.checklist li { padding: 8px 0 8px 32px; position: relative; border-bottom: 1px dashed #e2e8f0; }\n ul.checklist li:last-child { border-bottom: none; }\n ul.checklist li::before { content: \"✓\"; position: absolute; left: 0; width: 24px; height: 24px; background: #10b981; color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 600; }\n ul.risks li::before { content: \"⚠\"; background: #f59e0b; }\n .doc-footer { text-align: center; padding: 32px 20px; margin-top: 40px; border-top: 2px solid #e2e8f0; color: #64748b; font-size: 12px; }\n .contact-info { background: #f8fafc; padding: 20px; border-radius: 8px; margin: 24px 0; font-size: 13px; }\n .contact-info strong { color: #1e3a8a; display: block; margin-bottom: 8px; }\n .contact-info a { color: #1e3a8a; text-decoration: none; }\n .contact-info a:hover { text-decoration: underline; }\n .signature-block { margin-top: 40px; padding-top: 24px; border-top: 1px solid #e2e8f0; }\n .signature-line { border-top: 1px solid #334155; width: 240px; margin: 40px 0 8px; }\n .signature-name { font-weight: 600; color: #1e3a8a; }\n .signature-title { font-size: 13px; color: #64748b; }\n .download-cta { position: fixed; bottom: 24px; right: 24px; background: linear-gradient(135deg, #1e3a8a 0%, #0f172a 100%); color: white; padding: 16px 24px; border-radius: 12px; font-weight: 600; text-decoration: none; box-shadow: 0 10px 40px rgba(30, 58, 138, 0.4); display: flex; align-items: center; gap: 10px; z-index: 1000; transition: transform 0.2s; }\n .download-cta:hover { transform: translateY(-2px); box-shadow: 0 14px 50px rgba(30, 58, 138, 0.6); }\n @media print { .download-cta { display: none !important; } }\n @media (prefers-reduced-motion: reduce) { * { animation: none !important; transition: none !important; } }\n <\/style>\n<\/head>\n<body>\n\n \n <div class=\"confidential-banner\">🔒 CONFIDENTIAL • ACCREDITED INVESTORS ONLY • RESTRICTED DISTRIBUTION<\/div>\n\n \n <header class=\"doc-header\">\n <div class=\"logo\">\n <div class=\"logo-icon\">A<\/div>\n <div class=\"logo-text\">AUREMA<span>GROUP<\/span><\/div>\n <\/div>\n <h1 class=\"doc-title\">Investment Memorandum<\/h1>\n <p class=\"doc-subtitle\">Tokenized Real-World Assets (RWA) | Institutional Access<\/p>\n <div class=\"doc-meta\">\n <div class=\"doc-meta-item\">📅 Date:<strong>January 2026<\/strong><\/div>\n <div class=\"doc-meta-item\">🔖 Version:<strong>1.0<\/strong><\/div>\n <div class=\"doc-meta-item\">🌍 Jurisdiction:<strong>EU \/ US<\/strong><\/div>\n <div class=\"doc-meta-item\">💶 Currency:<strong>EUR \/ USD<\/strong><\/div>\n <\/div>\n <\/header>\n\n \n <section id=\"executive-summary\">\n <h2>1. Executive Summary<\/h2>\n <p><strong>Aurema Group<\/strong>provides accredited investors with exclusive access to a diversified portfolio of<strong>tokenized real-world assets (RWA)<\/strong>, combining 30+ years of technical appraisal expertise with cutting-edge regulatory infrastructure.<\/p>\n \n <div class=\"highlight-box\">\n <strong>Unique Value Proposition:<\/strong>Democratizing institutional-grade real estate and naval asset investments through blockchain tokenization, backed by a fully compliant corporate structure (MiCA\/CNMV\/Delaware) and rigorous technical due diligence performed by a certified judicial expert.<\/div>\n \n <div class=\"metrics-grid\">\n <div class=\"metric-card\">\n <span class=\"metric-value\">€10K<\/span>\n <span class=\"metric-label\">Minimum Investment<\/span>\n <\/div>\n <div class=\"metric-card\">\n <span class=\"metric-value\">8-12%<\/span>\n <span class=\"metric-label\">Target Annual Yield<\/span>\n <\/div>\n <div class=\"metric-card\">\n <span class=\"metric-value\">30+<\/span>\n <span class=\"metric-label\">Years of Expertise<\/span>\n <\/div>\n <div class=\"metric-card\">\n <span class=\"metric-value\">100%<\/span>\n <span class=\"metric-label\">On-Chain Transparency<\/span>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"opportunity\">\n <h2>2. Investment Opportunity<\/h2>\n \n <h3>2.1 Asset Classes<\/h3>\n <table>\n <thead>\n <tr>\n <th>Asset Class<\/th>\n <th>Location<\/th>\n <th>Min. Investment<\/th>\n <th>Horizon<\/th>\n <th>Target Yield<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><strong>Premium Real Estate<\/strong><br><small>Residential\/Commercial<\/small><\/td>\n <td>Valencia, Madrid, Barcelona (ES)<\/td>\n <td>€10,000<\/td>\n <td>3-7 years<\/td>\n <td>8-10% p.a.<\/td>\n <\/tr>\n <tr>\n <td><strong>Naval Assets<\/strong><br><small>Yachts\/Luxury Vessels<\/small><\/td>\n <td>Mediterranean Coast (ES)<\/td>\n <td>€25,000<\/td>\n <td>5-10 years<\/td>\n <td>10-15% p.a.<\/td>\n <\/tr>\n <tr>\n <td><strong>Tokenization Platform<\/strong><br><small>RWA Infrastructure<\/small><\/td>\n <td>EU (MiCA Compliant)<\/td>\n <td>€10,000<\/td>\n <td>2-5 years<\/td>\n <td>12-20% p.a.<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n \n <h3>2.2 Competitive Advantages<\/h3>\n <ul class=\"checklist\">\n <li><strong>Institutional Due Diligence:<\/strong>Judicial-grade technical appraisal of complex assets (CTE\/EHE-08 compliance, non-destructive diagnostics, structural integrity verification)<\/li>\n <li><strong>Regulated Cross-Border Structure:<\/strong>Full compliance with MiCA (EU), CNMV (Spain), and SEC Reg D (US) for seamless international capital raising<\/li>\n <li><strong>Transparent Tokenization:<\/strong>Audited smart contracts (ERC-3643), 24\/7 blockchain traceability, automated quarterly distributions<\/li>\n <li><strong>Asset Protection:<\/strong>Full SPV compartmentalization, Estonian holding (0% corporate tax on retained earnings), Delaware legal framework for US investors<\/li>\n <li><strong>Secondary Liquidity:<\/strong>Regulated secondary market access from Year 3 for early exit flexibility<\/li>\n <\/ul>\n <\/section>\n\n \n <section id=\"structure\" class=\"page-break\">\n <h2>3. Corporate Structure & Governance<\/h2>\n \n <div class=\"structure-diagram\">\n <div class=\"structure-item primary\">🇪🇪 Aurema Group Holdings OÜ (Estonia)<br>\n <small>EU Holding • 0% Tax on Retained Earnings • MiCA Issuer<\/small>\n <\/div>\n <div class=\"structure-arrow\">↓<\/div>\n <div style=\"display: flex; gap: 8px; justify-content: center; flex-wrap: wrap;\">\n <div class=\"structure-item\">🇪🇸 Prop Trust Verified SL<br>\n <small>Spain Real Estate SPV<\/small>\n <\/div>\n <div class=\"structure-item\">🇺🇸 Aurema Group LLC<br>\n <small>Delaware Subsidiary • US Capital Raising (Reg D)<\/small>\n <\/div>\n <div class=\"structure-item\">🇪🇸 [Naval Assets SL]<br>\n <small>Spain Naval SPV (in formation)<\/small>\n <\/div>\n <\/div>\n <\/div>\n \n <h3>3.1 Jurisdictions & Regulatory Compliance<\/h3>\n <table>\n <thead>\n <tr>\n <th>Entity<\/th>\n <th>Jurisdiction<\/th>\n <th>Tax Regime<\/th>\n <th>Applicable Regulation<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><strong>Aurema Group Holdings OÜ<\/strong><\/td>\n <td>Estonia (EU)<\/td>\n <td>0% on retained\/reinvested profits<br>~22% on distributed dividends<\/td>\n <td>MiCA Regulation (EU) 2023\/1114<br>GDPR, CRS\/FATCA<\/td>\n <\/tr>\n <tr>\n <td><strong>Prop Trust Verified SL<\/strong><\/td>\n <td>Spain<\/td>\n <td>25% Corporate Income Tax<br>5% withholding on dividends (DTAA)<\/td>\n <td>CNMV, Spanish Companies Act<br>Spain-Estonia Double Tax Treaty<\/td>\n <\/tr>\n <tr>\n <td><strong>Aurema Group LLC<\/strong><\/td>\n <td>Delaware, USA<\/td>\n <td>Disregarded Entity (pass-through)<br>0% Delaware state franchise tax impact<\/td>\n <td>SEC Regulation D \/ Regulation S<br>FinCEN BOI Reporting, FATCA<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n \n <div class=\"highlight-box warning\">\n <strong>Tax Note:<\/strong>Dividends distributed from Spain to Estonia are subject to a 5% withholding tax under the Spain-Estonia Double Taxation Agreement. Retained earnings in Estonia remain tax-deferred until final distribution to the ultimate beneficial owner.<\/div>\n <\/section>\n\n \n <section id=\"terms\">\n <h2>4. Financial Terms & Projections<\/h2>\n \n <h3>4.1 Investment Structure<\/h3>\n <table>\n <thead>\n <tr>\n <th>Parameter<\/th>\n <th>Specification<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><strong>Instrument<\/strong><\/td>\n <td>Security Token (ERC-3643) representing proportional SPV equity<\/td>\n <\/tr>\n <tr>\n <td><strong>Face Value<\/strong><\/td>\n <td>€1.00 per token (multiples of 10,000 = €10,000 minimum)<\/td>\n <\/tr>\n <tr>\n <td><strong>Management Fee<\/strong><\/td>\n <td>1.5% p.a. on AUM (deducted pre-distribution)<\/td>\n <\/tr>\n <tr>\n <td><strong>Entry Fee<\/strong><\/td>\n <td>0%<\/td>\n <\/tr>\n <tr>\n <td><strong>Exit Fee<\/strong><\/td>\n <td>2% if redeemed before Year 3; 0% from Year 3 onwards<\/td>\n <\/tr>\n <tr>\n <td><strong>Distribution Frequency<\/strong><\/td>\n <td>Quarterly, automated via smart contract<\/td>\n <\/tr>\n <tr>\n <td><strong>Payment Method<\/strong><\/td>\n <td>EUR (SEPA) or USDC (ERC-20), investor’s choice<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n \n <h3>4.2 Financial Projections (Real Estate Example)<\/h3>\n <div class=\"highlight-box\">\n <strong>Base Assumptions:<\/strong> Property Value €500,000 | Monthly Rent €2,500 | Annual Expenses €6,000 | Fiscal Depreciation 3% p.a. | Spanish CIT 25%\n <\/div>\n \n <table>\n <thead>\n <tr>\n <th>Item<\/th>\n <th>Calculation<\/th>\n <th>Annual Result<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td>Gross Rental Income<\/td>\n <td>€2,500 × 12<\/td>\n <td><strong>€30,000<\/strong><\/td>\n <\/tr>\n <tr>\n <td>(-) Deductible Expenses<\/td>\n <td>IBI, HOA, maintenance<\/td>\n <td><strong>-€6,000<\/strong><\/td>\n <\/tr>\n <tr>\n <td>(-) Fiscal Depreciation<\/td>\n <td>3% × €500,000<\/td>\n <td><strong>-€15,000<\/strong><\/td>\n <\/tr>\n <tr>\n <td>= Earnings Before Tax<\/td>\n <td><\/td>\n <td><strong>€9,000<\/strong><\/td>\n <\/tr>\n <tr>\n <td>(-) Corporate Income Tax (25%)<\/td>\n <td><\/td>\n <td><strong>-€2,250<\/strong><\/td>\n <\/tr>\n <tr style=\"background: #f0fdf4; font-weight: 600;\">\n <td>= Distributable Profit<\/td>\n <td><\/td>\n <td><strong>€6,750<\/strong><\/td>\n <\/tr>\n <tr>\n <td>Yield on €10K Investment (2% stake)<\/td>\n <td>2% × €6,750 ÷ €10,000<\/td>\n <td><strong>1.35% p.a.<\/strong><\/td>\n <\/tr>\n <tr class=\"warning\">\n <td colspan=\"3\"><small>⚠️ Illustrative example only. Actual returns depend on occupancy rates, maintenance cycles, market conditions, and macroeconomic factors. Past performance does not guarantee future results.<\/small><\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/section>\n\n \n <section id=\"risks\" class=\"page-break\">\n <h2>5. Risk Factors<\/h2>\n <p style=\"font-weight: 500; margin-bottom: 20px; color: #dc2626;\">\n ⚠️ Investment in tokenized real-world assets carries significant risks. Read carefully before committing capital.\n <\/p>\n \n <ul class=\"checklist risks\">\n <li><strong>Market Risk:<\/strong> Real estate and naval asset valuations are subject to economic cycles, regulatory shifts, and geopolitical factors. No capital appreciation is guaranteed.<\/li>\n <li><strong>Liquidity Risk:<\/strong> Tokens do not trade on regulated secondary markets during the initial 3-year lock-up. Early exit depends on counterparty availability and may require significant discounts.<\/li>\n <li><strong>Technology Risk:<\/strong> Despite independent smart contract audits, inherent blockchain risks exist (code vulnerabilities, network congestion, evolving crypto regulation).<\/li>\n <li><strong>Regulatory Risk:<\/strong> Changes in MiCA, CNMV, SEC guidelines, or cross-border tax treaties may impact structure costs, compliance requirements, or investment viability.<\/li>\n <li><strong>Counterparty Risk:<\/strong> Operational management relies on third-party providers (property managers, vessel operators, tech custodians). Aurema Group oversees but does not directly control all daily operations.<\/li>\n <li><strong>Cross-Border Tax Risk:<\/strong> Final tax liability depends on the investor’s jurisdiction of residence. Aurema Group does not provide personalized tax advice; consult your advisor before investing.<\/li>\n <li><strong>Total Loss Risk:<\/strong> In extreme scenarios (SPV insolvency, asset destruction, regulatory sanction), investors may lose their entire invested capital.<\/li>\n <\/ul>\n \n <div class=\"highlight-box danger\">\n <strong>Legal Disclaimer:<\/strong> This document does not constitute a public offering of securities. Investments are made under private placement exemptions applicable to accredited\/professional investors (MiCA Art. 5, SEC Reg D 506(c), etc.). Consult an independent financial advisor.\n <\/div>\n <\/section>\n\n \n <section id=\"process\">\n <h2>6. Subscription Process<\/h2>\n \n <h3>6.1 Investor Eligibility<\/h3>\n <ul class=\"checklist\">\n <li>Legal capacity to enter into binding investment agreements<\/li>\n <li>Qualifies as an <strong>Accredited\/Professional Investor<\/strong> per MiCA \/ local regulations:\n <ul style=\"margin-left: 24px; margin-top: 8px; font-size: 13px;\">\n <li>• Annual income > €100,000 (or >$200K \/ $300K joint) for past 2 years, or<\/li>\n <li>• Net worth > €1,000,000 (excluding primary residence), or<\/li>\n <li>• Institutional \/ Family Office with AUM > €5M<\/li>\n <\/ul>\n <\/li>\n <li>Resident in an approved jurisdiction (EU, USA, UAE, others post-KYC clearance)<\/li>\n <li>Completion of EU-compliant KYC\/AML verification<\/li>\n <\/ul>\n \n <h3>6.2 Onboarding Steps<\/h3>\n <table>\n <thead>\n <tr>\n <th>Step<\/th>\n <th>Action<\/th>\n <th>Timeline<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><strong>1<\/strong><\/td>\n <td>Submit inquiry via invest.aurema-group.com or WhatsApp Business<\/td>\n <td>Immediate<\/td>\n <\/tr>\n <tr>\n <td><strong>2<\/strong><\/td>\n <td>Accreditation verification & KYC\/AML compliance check<\/td>\n <td>24-48 hours<\/td>\n <\/tr>\n <tr>\n <td><strong>3<\/strong><\/td>\n <td>Digital execution of Subscription Agreement & Risk Acknowledgement (eIDAS compliant)<\/td>\n <td>1-2 days<\/td>\n <\/tr>\n <tr>\n <td><strong>4<\/strong><\/td>\n <td>Fund transfer to regulated custodial account (SEPA \/ Wire)<\/td>\n <td>1-3 business days<\/td>\n <\/tr>\n <tr>\n <td><strong>5<\/strong><\/td>\n <td>Token issuance to investor wallet + portal access granted<\/td>\n <td>24 hours post-confirmation<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n \n <div class=\"contact-info\">\n <strong>📞 Subscription Inquiries:<\/strong>\n <a href=\"tel:+13323781281\">+1 (332) 378 1281<\/a> | \n <a href=\"mailto:contacto@auremagroup.com\">contacto@auremagroup.com<\/a><br>\n <strong>🏢 Registered Address:<\/strong> 1007 N Orange St, 4th Floor, Suite 2223, Wilmington, DE 19801, United States\n <\/div>\n <\/section>\n\n \n <section id=\"legal\" class=\"page-break\">\n <h2>7. Legal Disclaimers & Notices<\/h2>\n \n <p><strong>7.1 Document Nature:<\/strong> This Investment Memorandum is a confidential document prepared exclusively for accredited investors who have been pre-qualified by Aurema Group. Reproduction, distribution, or disclosure in whole or in part is strictly prohibited without prior written consent.<\/p>\n \n <p><strong>7.2 No Public Offering:<\/strong> This document does not constitute an offer to sell or a solicitation of an offer to buy securities in any jurisdiction where such offer or solicitation would require registration or licensing. Tokens are offered under applicable private placement exemptions.<\/p>\n \n <p><strong>7.3 Forward-Looking Statements:<\/strong> Financial projections, target yields, and estimates contained herein are forward-looking statements based on current assumptions. Actual results may differ materially due to market conditions, operational factors, and risks outlined in Section 5.<\/p>\n \n <p><strong>7.4 Independent Advice:<\/strong> Aurema Group strongly recommends that each investor consult their own legal, tax, and financial advisors prior to making any investment decision. This memorandum does not constitute personalized investment, tax, or legal advice.<\/p>\n \n <p><strong>7.5 Governing Law:<\/strong> This Memorandum and any disputes arising therefrom shall be governed by the laws of Estonia (issuer jurisdiction), without prejudice to mandatory investor protection laws of the investor’s country of residence.<\/p>\n \n <div class=\"highlight-box danger\">\n <strong>FINAL WARNING:<\/strong> Investing in tokenized real-world assets involves the risk of capital loss. Past performance is not indicative of future results. Only invest capital you can afford to lose entirely.\n <\/div>\n <\/section>\n\n \n <div class=\"signature-block\">\n <p>This Investment Memorandum has been approved by the Management Board of Aurema Group Holdings OÜ on <strong>January 15, 2026<\/strong>.<\/p>\n \n <div style=\"display: flex; justify-content: space-between; margin-top: 40px; flex-wrap: wrap; gap: 40px;\">\n <div>\n <div class=\"signature-line\"><\/div>\n <div class=\"signature-name\">Aurelio Tamarit Blay<\/div>\n <div class=\"signature-title\">Founder & Chief Investment Officer<br>Aurema Group Holdings OÜ<\/div>\n <\/div>\n <div>\n <div class=\"signature-line\"><\/div>\n <div class=\"signature-name\">[Compliance Officer Name]<\/div>\n <div class=\"signature-title\">Chief Compliance Officer<br>Aurema Group Holdings OÜ<\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <footer class=\"doc-footer\">\n <p><strong>Aurema Group<\/strong> • Institutional Investment in Tokenized Real-World Assets<\/p>\n <p>🇪🇪 Aurema Group Holdings OÜ (Estonia) | 🇺🇸 Aurema Group LLC (Delaware) | 🇪🇸 Spain SPVs<\/p>\n <p>📧 <a href=\"mailto:contacto@auremagroup.com\">contacto@auremagroup.com<\/a> • 📞 <a href=\"tel:+13323781281\">+1 (332) 378 1281<\/a><\/p>\n <p style=\"margin-top: 16px; font-size: 11px; color: #94a3b8;\">\n © 2026 Aurema Group. All rights reserved. • Document generated on <span id=\"doc-date\"><\/span> • ID: AG-IM-EN-2026-001\n <\/p>\n <\/footer>\n\n \n <a href=\"#\" class=\"download-cta no-print\" onclick=\"window.print(); return false;\">\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\">\n <path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4M7 10l5 5 5-5M12 15V3\"><\/path>\n <\/svg>\n Save as PDF\n <\/a>\n\n \n <script>\n document.getElementById('doc-date').textContent = new Date().toLocaleDateString('en-US', {\n year: 'numeric', month: 'long', day: 'numeric'\n });\n <\/script>\n<\/body>\n<\/html>","protected":false},"excerpt":{"rendered":"<p>Investment Memorandum | Aurema Group 🔒 CONFIDENTIAL • ACCREDITED INVESTORS ONLY • RESTRICTED DISTRIBUTION A AUREMAGROUP Investment Memorandum Tokenized Real-World Assets (RWA) | Institutional Access 📅 Date:January 2026 🔖 Version:1.0 🌍 Jurisdiction:EU \/ US 💶 Currency:EUR \/ USD 1. Executive Summary Aurema Groupprovides accredited investors with exclusive access to a diversified portfolio oftokenized real-world assets […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-490","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/posts\/490","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/comments?post=490"}],"version-history":[{"count":2,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/posts\/490\/revisions"}],"predecessor-version":[{"id":713,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/posts\/490\/revisions\/713"}],"wp:attachment":[{"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/media?parent=490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/categories?post=490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/tags?post=490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":490,"date":"2026-05-04T11:58:29","date_gmt":"2026-05-04T11:58:29","guid":{"rendered":"https:\/\/invest.aurema-group.com\/?p=490"},"modified":"2026-06-17T18:03:52","modified_gmt":"2026-06-17T18:03:52","slug":"investment-memorandum","status":"publish","type":"post","link":"https:\/\/invest.aurema-group.com\/en\/investment-memorandum\/","title":{"rendered":"Investment Memorandum"},"content":{"rendered":"\n\n\n \n \n Investment Memorandum | Aurema Group<\/title>\n <meta name=\"description\" content=\"Aurema Group Investment Memorandum - Tokenized Real World Assets for Accredited Investors\">\n \n \n <link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:wght@600;700&display=swap\" rel=\"stylesheet\">\n \n \n <style>\n @media print {\n body { font-size: 11pt; line-height: 1.5; color: #000; background: #fff; }\n .no-print { display: none !important; }\n .page-break { page-break-before: always; 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font-size: 20px; margin: 4px 0; }\n ul.checklist { list-style: none; margin: 16px 0; }\n ul.checklist li { padding: 8px 0 8px 32px; position: relative; border-bottom: 1px dashed #e2e8f0; }\n ul.checklist li:last-child { border-bottom: none; }\n ul.checklist li::before { content: \"✓\"; position: absolute; left: 0; width: 24px; height: 24px; background: #10b981; color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 600; }\n ul.risks li::before { content: \"⚠\"; background: #f59e0b; }\n .doc-footer { text-align: center; padding: 32px 20px; margin-top: 40px; border-top: 2px solid #e2e8f0; color: #64748b; font-size: 12px; }\n .contact-info { background: #f8fafc; padding: 20px; border-radius: 8px; margin: 24px 0; font-size: 13px; }\n .contact-info strong { color: #1e3a8a; display: block; margin-bottom: 8px; }\n .contact-info a { color: #1e3a8a; text-decoration: none; }\n .contact-info a:hover { text-decoration: underline; }\n .signature-block { margin-top: 40px; padding-top: 24px; border-top: 1px solid #e2e8f0; }\n .signature-line { border-top: 1px solid #334155; width: 240px; margin: 40px 0 8px; }\n .signature-name { font-weight: 600; color: #1e3a8a; }\n .signature-title { font-size: 13px; color: #64748b; }\n .download-cta { position: fixed; bottom: 24px; right: 24px; background: linear-gradient(135deg, #1e3a8a 0%, #0f172a 100%); color: white; padding: 16px 24px; border-radius: 12px; font-weight: 600; text-decoration: none; box-shadow: 0 10px 40px rgba(30, 58, 138, 0.4); display: flex; align-items: center; gap: 10px; z-index: 1000; transition: transform 0.2s; }\n .download-cta:hover { transform: translateY(-2px); box-shadow: 0 14px 50px rgba(30, 58, 138, 0.6); }\n @media print { .download-cta { display: none !important; } }\n @media (prefers-reduced-motion: reduce) { * { animation: none !important; transition: none !important; } }\n <\/style>\n<\/head>\n<body>\n\n \n <div class=\"confidential-banner\">🔒 CONFIDENTIAL • ACCREDITED INVESTORS ONLY • RESTRICTED DISTRIBUTION<\/div>\n\n \n <header class=\"doc-header\">\n <div class=\"logo\">\n <div class=\"logo-icon\">A<\/div>\n <div class=\"logo-text\">AUREMA<span>GROUP<\/span><\/div>\n <\/div>\n <h1 class=\"doc-title\">Investment Memorandum<\/h1>\n <p class=\"doc-subtitle\">Tokenized Real-World Assets (RWA) | Institutional Access<\/p>\n <div class=\"doc-meta\">\n <div class=\"doc-meta-item\">📅 Date:<strong>January 2026<\/strong><\/div>\n <div class=\"doc-meta-item\">🔖 Version:<strong>1.0<\/strong><\/div>\n <div class=\"doc-meta-item\">🌍 Jurisdiction:<strong>EU \/ US<\/strong><\/div>\n <div class=\"doc-meta-item\">💶 Currency:<strong>EUR \/ USD<\/strong><\/div>\n <\/div>\n <\/header>\n\n \n <section id=\"executive-summary\">\n <h2>1. Executive Summary<\/h2>\n <p><strong>Aurema Group<\/strong>provides accredited investors with exclusive access to a diversified portfolio of<strong>tokenized real-world assets (RWA)<\/strong>, combining 30+ years of technical appraisal expertise with cutting-edge regulatory infrastructure.<\/p>\n \n <div class=\"highlight-box\">\n <strong>Unique Value Proposition:<\/strong>Democratizing institutional-grade real estate and naval asset investments through blockchain tokenization, backed by a fully compliant corporate structure (MiCA\/CNMV\/Delaware) and rigorous technical due diligence performed by a certified judicial expert.<\/div>\n \n <div class=\"metrics-grid\">\n <div class=\"metric-card\">\n <span class=\"metric-value\">€10K<\/span>\n <span class=\"metric-label\">Minimum Investment<\/span>\n <\/div>\n <div class=\"metric-card\">\n <span class=\"metric-value\">8-12%<\/span>\n <span class=\"metric-label\">Target Annual Yield<\/span>\n <\/div>\n <div class=\"metric-card\">\n <span class=\"metric-value\">30+<\/span>\n <span class=\"metric-label\">Years of Expertise<\/span>\n <\/div>\n <div class=\"metric-card\">\n <span class=\"metric-value\">100%<\/span>\n <span class=\"metric-label\">On-Chain Transparency<\/span>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"opportunity\">\n <h2>2. Investment Opportunity<\/h2>\n \n <h3>2.1 Asset Classes<\/h3>\n <table>\n <thead>\n <tr>\n <th>Asset Class<\/th>\n <th>Location<\/th>\n <th>Min. Investment<\/th>\n <th>Horizon<\/th>\n <th>Target Yield<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><strong>Premium Real Estate<\/strong><br><small>Residential\/Commercial<\/small><\/td>\n <td>Valencia, Madrid, Barcelona (ES)<\/td>\n <td>€10,000<\/td>\n <td>3-7 years<\/td>\n <td>8-10% p.a.<\/td>\n <\/tr>\n <tr>\n <td><strong>Naval Assets<\/strong><br><small>Yachts\/Luxury Vessels<\/small><\/td>\n <td>Mediterranean Coast (ES)<\/td>\n <td>€25,000<\/td>\n <td>5-10 years<\/td>\n <td>10-15% p.a.<\/td>\n <\/tr>\n <tr>\n <td><strong>Tokenization Platform<\/strong><br><small>RWA Infrastructure<\/small><\/td>\n <td>EU (MiCA Compliant)<\/td>\n <td>€10,000<\/td>\n <td>2-5 years<\/td>\n <td>12-20% p.a.<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n \n <h3>2.2 Competitive Advantages<\/h3>\n <ul class=\"checklist\">\n <li><strong>Institutional Due Diligence:<\/strong>Judicial-grade technical appraisal of complex assets (CTE\/EHE-08 compliance, non-destructive diagnostics, structural integrity verification)<\/li>\n <li><strong>Regulated Cross-Border Structure:<\/strong>Full compliance with MiCA (EU), CNMV (Spain), and SEC Reg D (US) for seamless international capital raising<\/li>\n <li><strong>Transparent Tokenization:<\/strong>Audited smart contracts (ERC-3643), 24\/7 blockchain traceability, automated quarterly distributions<\/li>\n <li><strong>Asset Protection:<\/strong>Full SPV compartmentalization, Estonian holding (0% corporate tax on retained earnings), Delaware legal framework for US investors<\/li>\n <li><strong>Secondary Liquidity:<\/strong>Regulated secondary market access from Year 3 for early exit flexibility<\/li>\n <\/ul>\n <\/section>\n\n \n <section id=\"structure\" class=\"page-break\">\n <h2>3. Corporate Structure & Governance<\/h2>\n \n <div class=\"structure-diagram\">\n <div class=\"structure-item primary\">🇪🇪 Aurema Group Holdings OÜ (Estonia)<br>\n <small>EU Holding • 0% Tax on Retained Earnings • MiCA Issuer<\/small>\n <\/div>\n <div class=\"structure-arrow\">↓<\/div>\n <div style=\"display: flex; gap: 8px; justify-content: center; flex-wrap: wrap;\">\n <div class=\"structure-item\">🇪🇸 Prop Trust Verified SL<br>\n <small>Spain Real Estate SPV<\/small>\n <\/div>\n <div class=\"structure-item\">🇺🇸 Aurema Group LLC<br>\n <small>Delaware Subsidiary • US Capital Raising (Reg D)<\/small>\n <\/div>\n <div class=\"structure-item\">🇪🇸 [Naval Assets SL]<br>\n <small>Spain Naval SPV (in formation)<\/small>\n <\/div>\n <\/div>\n <\/div>\n \n <h3>3.1 Jurisdictions & Regulatory Compliance<\/h3>\n <table>\n <thead>\n <tr>\n <th>Entity<\/th>\n <th>Jurisdiction<\/th>\n <th>Tax Regime<\/th>\n <th>Applicable Regulation<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><strong>Aurema Group Holdings OÜ<\/strong><\/td>\n <td>Estonia (EU)<\/td>\n <td>0% on retained\/reinvested profits<br>~22% on distributed dividends<\/td>\n <td>MiCA Regulation (EU) 2023\/1114<br>GDPR, CRS\/FATCA<\/td>\n <\/tr>\n <tr>\n <td><strong>Prop Trust Verified SL<\/strong><\/td>\n <td>Spain<\/td>\n <td>25% Corporate Income Tax<br>5% withholding on dividends (DTAA)<\/td>\n <td>CNMV, Spanish Companies Act<br>Spain-Estonia Double Tax Treaty<\/td>\n <\/tr>\n <tr>\n <td><strong>Aurema Group LLC<\/strong><\/td>\n <td>Delaware, USA<\/td>\n <td>Disregarded Entity (pass-through)<br>0% Delaware state franchise tax impact<\/td>\n <td>SEC Regulation D \/ Regulation S<br>FinCEN BOI Reporting, FATCA<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n \n <div class=\"highlight-box warning\">\n <strong>Tax Note:<\/strong>Dividends distributed from Spain to Estonia are subject to a 5% withholding tax under the Spain-Estonia Double Taxation Agreement. Retained earnings in Estonia remain tax-deferred until final distribution to the ultimate beneficial owner.<\/div>\n <\/section>\n\n \n <section id=\"terms\">\n <h2>4. Financial Terms & Projections<\/h2>\n \n <h3>4.1 Investment Structure<\/h3>\n <table>\n <thead>\n <tr>\n <th>Parameter<\/th>\n <th>Specification<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><strong>Instrument<\/strong><\/td>\n <td>Security Token (ERC-3643) representing proportional SPV equity<\/td>\n <\/tr>\n <tr>\n <td><strong>Face Value<\/strong><\/td>\n <td>€1.00 per token (multiples of 10,000 = €10,000 minimum)<\/td>\n <\/tr>\n <tr>\n <td><strong>Management Fee<\/strong><\/td>\n <td>1.5% p.a. on AUM (deducted pre-distribution)<\/td>\n <\/tr>\n <tr>\n <td><strong>Entry Fee<\/strong><\/td>\n <td>0%<\/td>\n <\/tr>\n <tr>\n <td><strong>Exit Fee<\/strong><\/td>\n <td>2% if redeemed before Year 3; 0% from Year 3 onwards<\/td>\n <\/tr>\n <tr>\n <td><strong>Distribution Frequency<\/strong><\/td>\n <td>Quarterly, automated via smart contract<\/td>\n <\/tr>\n <tr>\n <td><strong>Payment Method<\/strong><\/td>\n <td>EUR (SEPA) or USDC (ERC-20), investor’s choice<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n \n <h3>4.2 Financial Projections (Real Estate Example)<\/h3>\n <div class=\"highlight-box\">\n <strong>Base Assumptions:<\/strong> Property Value €500,000 | Monthly Rent €2,500 | Annual Expenses €6,000 | Fiscal Depreciation 3% p.a. | Spanish CIT 25%\n <\/div>\n \n <table>\n <thead>\n <tr>\n <th>Item<\/th>\n <th>Calculation<\/th>\n <th>Annual Result<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td>Gross Rental Income<\/td>\n <td>€2,500 × 12<\/td>\n <td><strong>€30,000<\/strong><\/td>\n <\/tr>\n <tr>\n <td>(-) Deductible Expenses<\/td>\n <td>IBI, HOA, maintenance<\/td>\n <td><strong>-€6,000<\/strong><\/td>\n <\/tr>\n <tr>\n <td>(-) Fiscal Depreciation<\/td>\n <td>3% × €500,000<\/td>\n <td><strong>-€15,000<\/strong><\/td>\n <\/tr>\n <tr>\n <td>= Earnings Before Tax<\/td>\n <td><\/td>\n <td><strong>€9,000<\/strong><\/td>\n <\/tr>\n <tr>\n <td>(-) Corporate Income Tax (25%)<\/td>\n <td><\/td>\n <td><strong>-€2,250<\/strong><\/td>\n <\/tr>\n <tr style=\"background: #f0fdf4; font-weight: 600;\">\n <td>= Distributable Profit<\/td>\n <td><\/td>\n <td><strong>€6,750<\/strong><\/td>\n <\/tr>\n <tr>\n <td>Yield on €10K Investment (2% stake)<\/td>\n <td>2% × €6,750 ÷ €10,000<\/td>\n <td><strong>1.35% p.a.<\/strong><\/td>\n <\/tr>\n <tr class=\"warning\">\n <td colspan=\"3\"><small>⚠️ Illustrative example only. Actual returns depend on occupancy rates, maintenance cycles, market conditions, and macroeconomic factors. Past performance does not guarantee future results.<\/small><\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/section>\n\n \n <section id=\"risks\" class=\"page-break\">\n <h2>5. Risk Factors<\/h2>\n <p style=\"font-weight: 500; margin-bottom: 20px; color: #dc2626;\">\n ⚠️ Investment in tokenized real-world assets carries significant risks. Read carefully before committing capital.\n <\/p>\n \n <ul class=\"checklist risks\">\n <li><strong>Market Risk:<\/strong> Real estate and naval asset valuations are subject to economic cycles, regulatory shifts, and geopolitical factors. No capital appreciation is guaranteed.<\/li>\n <li><strong>Liquidity Risk:<\/strong> Tokens do not trade on regulated secondary markets during the initial 3-year lock-up. Early exit depends on counterparty availability and may require significant discounts.<\/li>\n <li><strong>Technology Risk:<\/strong> Despite independent smart contract audits, inherent blockchain risks exist (code vulnerabilities, network congestion, evolving crypto regulation).<\/li>\n <li><strong>Regulatory Risk:<\/strong> Changes in MiCA, CNMV, SEC guidelines, or cross-border tax treaties may impact structure costs, compliance requirements, or investment viability.<\/li>\n <li><strong>Counterparty Risk:<\/strong> Operational management relies on third-party providers (property managers, vessel operators, tech custodians). Aurema Group oversees but does not directly control all daily operations.<\/li>\n <li><strong>Cross-Border Tax Risk:<\/strong> Final tax liability depends on the investor’s jurisdiction of residence. Aurema Group does not provide personalized tax advice; consult your advisor before investing.<\/li>\n <li><strong>Total Loss Risk:<\/strong> In extreme scenarios (SPV insolvency, asset destruction, regulatory sanction), investors may lose their entire invested capital.<\/li>\n <\/ul>\n \n <div class=\"highlight-box danger\">\n <strong>Legal Disclaimer:<\/strong> This document does not constitute a public offering of securities. Investments are made under private placement exemptions applicable to accredited\/professional investors (MiCA Art. 5, SEC Reg D 506(c), etc.). Consult an independent financial advisor.\n <\/div>\n <\/section>\n\n \n <section id=\"process\">\n <h2>6. Subscription Process<\/h2>\n \n <h3>6.1 Investor Eligibility<\/h3>\n <ul class=\"checklist\">\n <li>Legal capacity to enter into binding investment agreements<\/li>\n <li>Qualifies as an <strong>Accredited\/Professional Investor<\/strong> per MiCA \/ local regulations:\n <ul style=\"margin-left: 24px; margin-top: 8px; font-size: 13px;\">\n <li>• Annual income > €100,000 (or >$200K \/ $300K joint) for past 2 years, or<\/li>\n <li>• Net worth > €1,000,000 (excluding primary residence), or<\/li>\n <li>• Institutional \/ Family Office with AUM > €5M<\/li>\n <\/ul>\n <\/li>\n <li>Resident in an approved jurisdiction (EU, USA, UAE, others post-KYC clearance)<\/li>\n <li>Completion of EU-compliant KYC\/AML verification<\/li>\n <\/ul>\n \n <h3>6.2 Onboarding Steps<\/h3>\n <table>\n <thead>\n <tr>\n <th>Step<\/th>\n <th>Action<\/th>\n <th>Timeline<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><strong>1<\/strong><\/td>\n <td>Submit inquiry via invest.aurema-group.com or WhatsApp Business<\/td>\n <td>Immediate<\/td>\n <\/tr>\n <tr>\n <td><strong>2<\/strong><\/td>\n <td>Accreditation verification & KYC\/AML compliance check<\/td>\n <td>24-48 hours<\/td>\n <\/tr>\n <tr>\n <td><strong>3<\/strong><\/td>\n <td>Digital execution of Subscription Agreement & Risk Acknowledgement (eIDAS compliant)<\/td>\n <td>1-2 days<\/td>\n <\/tr>\n <tr>\n <td><strong>4<\/strong><\/td>\n <td>Fund transfer to regulated custodial account (SEPA \/ Wire)<\/td>\n <td>1-3 business days<\/td>\n <\/tr>\n <tr>\n <td><strong>5<\/strong><\/td>\n <td>Token issuance to investor wallet + portal access granted<\/td>\n <td>24 hours post-confirmation<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n \n <div class=\"contact-info\">\n <strong>📞 Subscription Inquiries:<\/strong>\n <a href=\"tel:+13323781281\">+1 (332) 378 1281<\/a> | \n <a href=\"mailto:contacto@auremagroup.com\">contacto@auremagroup.com<\/a><br>\n <strong>🏢 Registered Address:<\/strong> 1007 N Orange St, 4th Floor, Suite 2223, Wilmington, DE 19801, United States\n <\/div>\n <\/section>\n\n \n <section id=\"legal\" class=\"page-break\">\n <h2>7. Legal Disclaimers & Notices<\/h2>\n \n <p><strong>7.1 Document Nature:<\/strong> This Investment Memorandum is a confidential document prepared exclusively for accredited investors who have been pre-qualified by Aurema Group. Reproduction, distribution, or disclosure in whole or in part is strictly prohibited without prior written consent.<\/p>\n \n <p><strong>7.2 No Public Offering:<\/strong> This document does not constitute an offer to sell or a solicitation of an offer to buy securities in any jurisdiction where such offer or solicitation would require registration or licensing. Tokens are offered under applicable private placement exemptions.<\/p>\n \n <p><strong>7.3 Forward-Looking Statements:<\/strong> Financial projections, target yields, and estimates contained herein are forward-looking statements based on current assumptions. Actual results may differ materially due to market conditions, operational factors, and risks outlined in Section 5.<\/p>\n \n <p><strong>7.4 Independent Advice:<\/strong> Aurema Group strongly recommends that each investor consult their own legal, tax, and financial advisors prior to making any investment decision. This memorandum does not constitute personalized investment, tax, or legal advice.<\/p>\n \n <p><strong>7.5 Governing Law:<\/strong> This Memorandum and any disputes arising therefrom shall be governed by the laws of Estonia (issuer jurisdiction), without prejudice to mandatory investor protection laws of the investor’s country of residence.<\/p>\n \n <div class=\"highlight-box danger\">\n <strong>FINAL WARNING:<\/strong> Investing in tokenized real-world assets involves the risk of capital loss. Past performance is not indicative of future results. Only invest capital you can afford to lose entirely.\n <\/div>\n <\/section>\n\n \n <div class=\"signature-block\">\n <p>This Investment Memorandum has been approved by the Management Board of Aurema Group Holdings OÜ on <strong>January 15, 2026<\/strong>.<\/p>\n \n <div style=\"display: flex; justify-content: space-between; margin-top: 40px; flex-wrap: wrap; gap: 40px;\">\n <div>\n <div class=\"signature-line\"><\/div>\n <div class=\"signature-name\">Aurelio Tamarit Blay<\/div>\n <div class=\"signature-title\">Founder & Chief Investment Officer<br>Aurema Group Holdings OÜ<\/div>\n <\/div>\n <div>\n <div class=\"signature-line\"><\/div>\n <div class=\"signature-name\">[Compliance Officer Name]<\/div>\n <div class=\"signature-title\">Chief Compliance Officer<br>Aurema Group Holdings OÜ<\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <footer class=\"doc-footer\">\n <p><strong>Aurema Group<\/strong> • Institutional Investment in Tokenized Real-World Assets<\/p>\n <p>🇪🇪 Aurema Group Holdings OÜ (Estonia) | 🇺🇸 Aurema Group LLC (Delaware) | 🇪🇸 Spain SPVs<\/p>\n <p>📧 <a href=\"mailto:contacto@auremagroup.com\">contacto@auremagroup.com<\/a> • 📞 <a href=\"tel:+13323781281\">+1 (332) 378 1281<\/a><\/p>\n <p style=\"margin-top: 16px; font-size: 11px; color: #94a3b8;\">\n © 2026 Aurema Group. All rights reserved. • Document generated on <span id=\"doc-date\"><\/span> • ID: AG-IM-EN-2026-001\n <\/p>\n <\/footer>\n\n \n <a href=\"#\" class=\"download-cta no-print\" onclick=\"window.print(); return false;\">\n <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\">\n <path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4M7 10l5 5 5-5M12 15V3\"><\/path>\n <\/svg>\n Save as PDF\n <\/a>\n\n \n <script>\n document.getElementById('doc-date').textContent = new Date().toLocaleDateString('en-US', {\n year: 'numeric', month: 'long', day: 'numeric'\n });\n <\/script>\n<\/body>\n<\/html>","protected":false},"excerpt":{"rendered":"<p>Investment Memorandum | Aurema Group 🔒 CONFIDENTIAL • ACCREDITED INVESTORS ONLY • RESTRICTED DISTRIBUTION A AUREMAGROUP Investment Memorandum Tokenized Real-World Assets (RWA) | Institutional Access 📅 Date:January 2026 🔖 Version:1.0 🌍 Jurisdiction:EU \/ US 💶 Currency:EUR \/ USD 1. Executive Summary Aurema Groupprovides accredited investors with exclusive access to a diversified portfolio oftokenized real-world assets […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-490","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/posts\/490","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/comments?post=490"}],"version-history":[{"count":2,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/posts\/490\/revisions"}],"predecessor-version":[{"id":713,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/posts\/490\/revisions\/713"}],"wp:attachment":[{"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/media?parent=490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/categories?post=490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invest.aurema-group.com\/en\/wp-json\/wp\/v2\/tags?post=490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}