What you actually own
Before you invest, understand what your stake gives you. We explain who holds the property, how your ownership is recorded and what happens to your investment if Shard stops operating.
You are not buying a building. You are acquiring shares in the company that owns it.
That distinction carries the whole structure. It is what makes a fraction of a tower possible and what your claim is enforceable against. The approved structure may use SPV shares and a nominee; the asset documents, not this overview, define your rights.
Before an approved offer opens, the asset documents should identify the property, its current owner, purchase or financing status, valuation, title and material encumbrances. The checks required depend on the location and form of tenure; a Certificate of Occupancy is not the only possible title evidence.
A small share of something large
Each square is one percent of a commercial asset valued at ₦120M. Move the slider to see what your investment represents. The offering documents define the actual instrument and rights for an asset. Increasing the amount changes the size of a position, not the legal nature of that instrument.
The asset and its valuation are an example; the platform minimum is ₦500K per asset, and real listings vary in size.
The company behind your property investment
When a property is held through a separate company, that company is set up for the property and has its own accounts, contracts and obligations. The investment documents explain how you hold your stake, whether directly as a shareholder or through an organisation holding shares on your behalf.
Your investment is tied to that property company. You are not buying shares in Shard itself.
This separation matters, but you still need to know about any loans, taxes or claims against the property company. These can affect your investment.
What documents show that your stake is yours?
When you buy land or a house, you want the documents to back it up. Investing in a share of a property calls for the same care.
For shares held directly, the company’s shareholder register records the legal shareholder. If an organisation holds shares on your behalf, it may appear on that register while a separate investor record shows your name, units and entitlement.
The investment documents explain which arrangement applies, who keeps the records and what proof of your holding you can request. Your dashboard helps you track your stake, but the supporting records and agreements establish your rights.
If someone holds shares for you, what does that mean?
Some investments use a nominee, an organisation that holds shares on behalf of investors. In that arrangement, its name appears in the company’s shareholder register, while a separate record identifies your stake.
Before investing, you should know who that organisation is and what it can do on your behalf. The agreement should explain how income reaches you, how voting decisions are made and the conditions for transferring your stake.
It should also explain what happens if the organisation stops operating or needs to be replaced. These are practical questions about your money, and the answers should be available in the investment documents.
What happens to my investment if Shard closes?
Each property is held in a separate company, so Shard closing does not automatically end your stake. Replacing service providers may still delay payments and involve costs.
The investment documents explain who takes over and how your ownership records are accessed. This structure does not guarantee against loss.
This is a description of the structure, not legal or investment advice. Understand the risks and exit terms