Resource 05 · Capability matrix
One platform. The full investment lifecycle.
This matrix shows how responsibilities can be divided between the investor, partner organisation and Fractional Assets within an approved operating model.
Responsibility matrix
Clear roles through the investment lifecycle.
CapabilityInvestorPartner organisationFractional Assets
Branded web platformUsesOwns brandProvides
iOS / Android appsUsesOwns brandCan provide
Account creationSelf-serviceVisibilityOperates
KYCCompletesException oversightWorkflow provided
KYBCompletes where requiredOversightWorkflow provided
AML/CTF checksSubject to controlsGovernanceInfrastructure/workflow
Investor eligibilityProvides informationDefines rulesEnforces configuration
Virtual bank accountControls own accountDoes not need to hold fundsFacilitates architecture
Cash depositsControlsVisibilityProcesses via integrated provider
Cash withdrawalsControls available cashNo manual handling requiredFacilitates
Product creationViewsDefines propositionConfigures
Fractional issuanceAcquires interestsDefines structureProvides issuance engine
Digital walletUses transparentlyOversightCreates/manages infrastructure
SubscriptionInitiatesDefines eligibility/rulesProcesses
Registry / holdingsViewsAdministers/monitorsSystem of record
Asset documentsAccessesSupplies/approvesDelivers
DistributionsReceivesDefines economicsProcesses
FeesSeesDefinesApplies configured rules
Investor communicationsReceivesControls messageDelivers
TransfersRequestsDefines rulesEnforces workflow
Redemptions / buybacksRequests/receivesDefines rulesProcesses
Liquidity windowsParticipatesControlsConfigures
Transaction historyViewsReportsRecords
Audit history—AccessesMaintains
Admin console—UsesProvides
User roles—DefinesConfigures
API integration—Defines requirementsProvides/integrates
Hosting / scalability—No infrastructure burdenOperates
CybersecurityProtectedGovernance visibilityOperates
Blockchain / ledgerTransparent to userNo specialist capability requiredIntegrates
Platform supportReceives as configuredReceivesProvides
Operating principle
Your organisation controls the investment proposition. Fractional Assets controls the technology complexity.
The platform’s existing technical applications cover assessment, finance, administration, settlement, notifications, blockchain integration, central configuration and authentication. Its finance environment supports onboarding, KYC, wallet creation, deposits, withdrawals and investment transactions, while the broader architecture supports automated processing and administrator oversight.
See how the operating platform could be configured around your proposition.
Discuss your organisation, asset strategy, investor base and preferred launch window with Fractional Assets.