Frequently asked questions

Citizen Mint helps advisors and their clients access private market investments across infrastructure, private credit, private equity, and real estate.

Our team sources and evaluates opportunities, reviews managers and investment structures, and brings selected offerings to the platform. Digital onboarding, subscription workflows, and reporting support implementation and ongoing monitoring.

The large platforms list hundreds of funds, mostly from the biggest managers, and are typically compensated by those managers for placement. We keep a short, curated list, source many opportunities directly, evaluate each one ourselves, and are never paid by a manager. Fewer products, no placement economics, and terms negotiated for investors.

In order to make an investment there are three steps:

1. Identity verification – in most cases we are able to do this automatically upon sign-up. Note: As part of this process we are required by the SEC to obtain SSN/DOB/Address information for know your customer (KYC) purposes. This information is also needed to produce a K1 or 1099 at the end of each investment year. For more information, please read our privacy policy.
2. Link a bank account – we use this account to fund your investments. This will also be the account that we send distributions to over time.
3. Verify accreditation – many investments on the site require accreditation verification. This process includes uploading documentation that confirms your accreditation status.

Please send your emails to contact@citizenmint.com and we will be in contact as soon as possible.

Private market investments are not traded on public exchanges. They include investments in privately held companies, lending strategies, real estate, and infrastructure.

Their structures, reporting, and liquidity differ from publicly traded investments. Investors may need to commit capital for several years, and opportunities to sell or transfer an investment can be limited. Terms, fees, and risks vary by offering.

Our team sources opportunities through its network of investment managers, sponsors, and industry relationships across infrastructure, private credit, private equity, and real estate.

We evaluate the investment thesis, team, track record, financial assumptions, capital structure, and operational capabilities. The investment committee reviews the opportunity and its material risks before deciding whether to add it to the platform.

We review each opportunity’s return objectives alongside the assumptions and risks that could affect those outcomes. This includes the business plan, cash-flow expectations, capital structure, fees, liquidity, and proposed exit strategy.

Our diligence includes reviewing manager experience and examining scenarios where results differ from expectations. The investment committee considers these findings before deciding whether an opportunity belongs on the platform.

Citizen Mint evaluates opportunities across four private market asset classes:

• Infrastructure: Renewable energy, battery storage, data centers, and interconnection projects.
• Private credit: Senior secured lending, asset-backed strategies, and other private lending opportunities.
• Private equity: Investments in privately held companies, including growth investments and co-investments.
• Real estate: Investments in properties and real estate strategies, including multifamily housing.

Available offerings change over time. Each opportunity is evaluated for its investment thesis, structure, and risks before it is added to the platform.

If you are not a U.S. citizen, but live and work in the U.S., you may be eligible to invest.

Citizen Mint is available to investors with a valid EIN#, TIN#, or SSN#. You'll also need a U.S. bank account as well as a U.S. mailing address.

We hope to be accessible to international investors in the future.

We accept investments from accredited investors, qualified clients, and qualified purchasers, as well as financial advisors acting on behalf of clients who meet one of those standards. Each offering states which standard applies.

Accredited investor. To be an accredited investor you must meet one of the following requirements:

• Net worth, excluding primary residence, higher than $1 million. If you qualify based on net worth, you can upload bank or brokerage statements that show these assets.
• Earned income above $200,000 a year ($300,000 if married) in each of the past two years. Required submission is your W2 documents for the two most recent tax years.
• Broker's license in good standing (Series 7, 65 or 82). Required submission is your CRD number.
• If investing for a trust, total assets in the trust must total at least $5 million.

Qualified client. A qualified client is an investor who, at the time of investing, either has at least $1.4 million under management with the adviser or has a net worth of more than $2.7 million, excluding the value of a primary residence. These SEC thresholds took effect June 29, 2026 and are adjusted for inflation every five years. Certain offerings that charge performance-based compensation are limited to qualified clients.

Qualified purchaser. A qualified purchaser is an individual or family-owned company that owns at least $5 million in investments, or an entity that owns and invests at least $25 million in investments on a discretionary basis. Some funds are limited to qualified purchasers.

Investors should carefully consider the investment objectives, risks, charges and expenses of each investment before investing.

Investments in the Fund are not bank deposits (and thus not insured by the FDIC or by any other federal governmental agency) and are not guaranteed by Citizen Mint or any other party.

Generally, an entity will satisfy the SEC's definitions if it either (1) has total assets in excess of $5,000,000 and has not been formed for the purpose of participating in a specific investment or (2) is wholly owned by accredited investors, qualified clients and/or qualified purchasers.

We review the team’s experience, track record, strategy, and operating history. Our process also includes background checks, reference calls, and evaluation of financial, accounting, and reporting capabilities.

We examine the proposed investment structure and supporting information, including the assumptions behind the business plan. These findings inform the investment committee’s review.

Minimums vary by offering and are lower than on most platforms. The minimum for each investment is shown on its offering page.

Each Citizen Mint investment partnership is incorporated under Delaware law. In the event the General Partner (Citizen Mint) files for bankruptcy or is declared insolvent, the General Partner would be deemed to have withdrawn from the Partnership. Pursuant to the agreements governing each partnership, investors would then decide how to replace the General Partner and continue or dissolve the fund. In this case, each limited partner continues to own their interest in the investment given the separation of assets from the general business.

When applicable, distributions are typically made quarterly from available operating cash flow and are automatically deposited into investors' bank accounts. Size and timing of distributions depend on the business plan and performance of each investment. Investors are notified of upcoming distributions and are able to track their distribution history through our online platform.

The initial funding period for your commitment is up to 2 years. For each investment, we typically target 3-8 year hold periods. Please review the Investment Advisory Agreement for a complete description of the commitment term and investment guidelines.

Maintaining the integrity and security of our clients' and partners' data is a priority for Citizen Mint. We address security in three major components: physical security, corporate IT security, and production security, to maintain industry standards.

At the current point in time there are no sales or transferability of securities offered on the platform.

Each investment is an ownership interest in a limited partnership or other entity managed by Citizen Mint Advisors LLC, a subsidiary of Citizen Mint Inc., which is governed by the organizational and subscription documents applicable to that specific transaction.

Reporting varies by investment and may include investment memoranda, due diligence summaries, quarterly updates, and tax documents such as Schedule K-1.

Updates may include financial results, valuations, and asset-level operating metrics relevant to the investment. For example, an energy project may report electricity generation. Where information is supplied by a manager or sponsor, our team reviews it as part of ongoing monitoring.

The timeline for K-1 tax forms depends on the type of underlying investment. Certain K-1s are available by April 15; others are expected to be delayed, with delivery between May and September.

Fees on the Citizen Mint platform range from 0.7-1.5%. Citizen Mint looks to actively negotiate with managers and sponsors on behalf of our clients to provide the best overall fee structure to any deal we underwrite and put on the platform.

You can link your bank account to your Citizen Mint account via our integration with Plaid. When you are ready to request an allocation to one of our investments, you will be prompted to submit your bank information as you go through the signing flow.

You can withdraw your funds to the bank account you linked to your account with our Plaid integration.

If you are having trouble logging in, please contact us at contact@citizenmint.com and we will get back to you as soon as possible.

If you did not receive your email verification code, please check your spam folder. If you still cannot find your verification code, please email us at contact@citizenmint.com.

Citizen Mint needs to verify your identification because of federal regulations intended to deter illegal or fraudulent activity.

In most cases, identity can be verified through our back-end identity verification provider. If we need further information, we will ask you to upload either your driver's license or passport, and in some cases your social security card.

Your identification documents will be verified by our team and our certified 3rd party vendor.

Rule 506(b): Allows investors to self-verify their accreditation information. Offerings can only be solicited to investors with existing, substantive relationships.

Rule 506(c): Allows for general solicitation of an investment offering. Investors cannot self-verify under Rule 506(c); reasonable steps must be taken to verify accreditation, such as providing tax returns, net worth verification, or written confirmation from an attorney or certified accountant.

Decisions in an LLC are governed by a document called an operating agreement. While every operating agreement is slightly different, they usually include a manager and limited members. The manager typically makes day-to-day decisions and the limited members act as passive investors. There are certain activities that might mandate a vote by the limited members.

One of the benefits of investing in real estate equity through limited liability companies (LLCs) is that LLCs can be treated as partnerships for tax purposes. Partnerships generally are not taxed at the entity level and can pass through applicable items of income, loss and depreciation to their members.

Citizen Mint and its affiliates do not provide tax, legal, or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction. See offering documents for additional details, disclosures, and disclaimers.