Cashback explained: separate from interest, transparent, and ready to invest

From February, cashback on stock.estate is calculated cumulatively, combining a timing bonus (Early Bird) with a volume bonus (based on the amount invested), for eligible campaigns. The idea is simple: the earlier you invest in an eligible campaign and the more you allocate, the higher your total cashback can be.

How it’s calculated:

• Early Bird: 1% cashback for investments placed within the first 7 days from an eligible campaign’s launch.

• Volume bonus (February tiers), based on the amount invested in that specific campaign:

• 1% for investments of at least EUR 3,000

• 2% for at least EUR 10,000

• 3% for at least EUR 30,000

• 4% for at least EUR** 75,000**

Examples (assuming the investment is made during the first 7 days, so Early Bird applies):

• EUR 3,000 investment: 1% Early Bird + 1% volume = 2% cashback (EUR 60)
• EUR 10,000 investment: 1% + 2% = 3% cashback (EUR 300)
• EUR 30,000 investment: 1% + 3% = 4% cashback (EUR 1,200)
• EUR 75,000 investment: 1% + 4% = 5% cashback (EUR 3,750)

Whether you invest step by step or in a single allocation, every investment counts, and cashback returns to your account as ready-to-invest funds, supporting compounding.

What is cashback on stock.estate?

Cashback is an additional benefit, separate from interest, that can improve the effective return of an investment within eligible campaigns. From the start, it’s important to clarify: cashback does not replace interest and it does not change the core mechanics of the investment. Interest remains interest, and cashback remains a separate bonus.

Cashback is:

• distinct from interest (it is added as an additional benefit);
• applied only to eligible campaigns and under the terms communicated on the platform;
• transparent and visible in the investor’s account;
• designed as an extra incentive, without changing the underlying fee or tax structure.

What cashback does NOT do

For transparency, here is what cashback does not change:

• it does not replace the campaign’s interest;
• it does not affect the administration fee;
• it does not modify the underlying fee or tax structure.

The purpose of cashback is to provide an additional incentive (based on timing and invested amount), without altering the investment’s fee or tax framework.

When cashback applies

Cashback does not apply automatically to all campaigns. It applies only where a campaign is marked as eligible, and only under the terms shown on the platform at campaign level (you will always see the exact conditions there).

Cashback is typically structured as a cumulative benefit with two components:

1) Timing component (Early Bird)

If you invest within the first 7 days from an eligible campaign’s launch, a 1% Early Bird cashback applies (as per the campaign rules).

2) Volume component

On top of Early Bird (if you are within the eligible window), an additional cashback is applied depending on the amount invested in that specific campaign, according to the thresholds communicated for that period.

A simple example: if an investment qualifies for 1% Early Bird and also meets a volume tier that offers, for example, 4%, then the total cashback can reach 5% (1% + 4%), improving the effective return compared with the campaign’s standard interest rate.

How cashback helps in practice

Cashback is designed to support investment behaviours that can compound results over time:

• it encourages early allocation (Early Bird);
• it rewards larger investments (volume thresholds);
• it supports compounding, because it returns to your account as funds available for reinvestment.

In other words, cashback does not change interest and it does not change fees, but it can provide an additional benefit which, when reinvested, can accelerate the compounding process.

Frequently asked questions

When will cashback appear in my account?

Cashback is calculated and allocated at the end of the fundraising period (at campaign closing / end of fundraising). After allocation, cashback becomes ready to invest in the following month.

Why does it work this way? Because the mechanism is designed to:

• remain transparent and fair (it is allocated after campaign closing, based on the conditions fulfilled);
• encourage reinvestment, as the amount returns to your account as funds available for future investments, supporting compounding.

Cashback is applied transparently and will be visible in your account as part of your available funds, in line with the allocation rules.

Does cashback stack with campaign interest?

Yes. Cashback is a separate benefit that can improve the effective return. Interest remains the campaign’s interest rate; cashback is added as an extra benefit, according to the campaign’s terms.

Does it apply to all my investments?

Only to investments in eligible campaigns, and only if the relevant conditions are met (e.g., Early Bird period, volume thresholds).

Can I withdraw cashback, or do I reinvest it?

Cashback is allocated as ready-to-invest funds, specifically to encourage reinvestment and compounding.

Why cashback can be adjusted monthly

Cashback is a dynamic scheme. We may adjust it periodically (including monthly) to better reflect investor needs and to maintain the right balance between accessibility and sustainability.

Adjustments are made based on internal analyses and overall investor feedback, so that:

• thresholds reflect real investment behaviour more accurately;
• incentives remain relevant;
• terms remain clear and easy to follow.

Regardless of any adjustments, one rule remains the same: eligibility and specific terms are clearly communicated at campaign level on the platform.

Conclusion

Cashback on stock.estate is an additional benefit, separate from interest, applicable only to eligible campaigns and communicated transparently. It does not change interest, it does not affect the administration fee, and it does not alter the underlying fee or tax structure. At the same time, it can improve the effective return and support compounding, because it is allocated at the end of fundraising and becomes ready to invest in the following month.