HomeHarbor Capital

📘 Whitepaper · Real Estate & Climate

Whitepaper · As of: December 2025

Rethinking impact investing.
Real estate, climate action & digital retirement in one model.

HomeHarbor Capital connects real rental income from residential properties with certified CO₂ compensation – digital, understandable and from as little as €50. For everyone who wants to take their financial future into their own hands without ignoring the climate crisis.

👤 Audience: Gen Z, Millennials, sustainable investors

🏦 Product: Crowdinvesting in residential real estate with CO₂ impact

⬇️ PDF version will be released with the official platform launch

1 · Introduction

Why this whitepaper?

For a long time, real estate was seen as a “boomer investment”: high entry sums, lots of paperwork, little transparency. At the same time, the climate crisis is escalating – and classic retirement products feel shaky for many. HomeHarbor Capital wants to connect both: stable rental income and measurable climate impact in a digital product.

This whitepaper is here to explain in clear language:

which problem HomeHarbor Capital is solving,
how our real estate & CO₂ model works,
how we think about risks, regulation and safety,
and what our vision for the next years looks like.

No empty buzzwords, no return promises we can’t keep. Instead: a realistic look at opportunities and risks – in a language you can still understand on the sofa at 11 p.m.

2 · Overview

HomeHarbor Capital in a nutshell

HomeHarbor Capital is a planned, Europe-focused crowdinvesting platform where you can invest in vetted residential properties from around €50 – including digital CO₂ impact and, in the future, a dedicated sustainable retirement solution.

Our core idea:

A lot of people want to build real retirement security and at the same time avoid greenwashing. We combine real, physical real estate with a modern FinTech approach and transparent climate impact:

Investments in residential properties with stable rental income,
digital shares from about €50, instead of hundreds of thousands of equity,
CO₂ compensation via certified climate projects or EU emission certificates,
a planned solution for next-gen retirement (Horizon+) that is simple and transparent.

🔹 Entry from €50 Small amounts, clear overview, no “all or nothing”. Ideal to build wealth step by step.

🏘️ Real residential properties Focus on housing, not speculative luxury assets. Rental income forms the basis for potential returns.

🌍 CO₂ impact integrated Every euro triggers additional climate action – via certified CO₂ certificates and transparent metrics.

📱 Fully digital & EU-first Sign-up, KYC, investment and later secondary trading all run fully digital via the platform.

“Rethinking impact investing” for us means: not a choice between returns and climate action, but an honest both-and – with clearly named risks.

3 · Market & context

Where’s the actual problem?

Three developments intersect: the pension gap, the climate crisis and a real estate market that feels like “game over” for many. That’s exactly where we step in.

1. Retirement & the pension gap

For many, the state pension alone won’t be enough. At the same time, classic products like life insurance, outdated pension plans or expensive actively managed funds are often unattractive for Gen Z and Millennials:

complicated products,
high fees,
vague promises.

More and more people therefore turn to ETFs, real estate or alternative assets – but want to have a say in the impact of their money.

2. Climate crisis & the wish for real impact

At the same time, pressure is rising not to look away when it comes to climate. Many want their money to be more than just “green” on paper and instead actually reduce or offset emissions. Greenwashing is a hard no.

3. Real estate market & entry barriers

Buying your own apartment as an investment is simply too expensive for many:

high purchase prices & transaction costs,
bank loans with heavy bureaucracy,
renting, management, maintenance – all on you.

Crowdinvesting has partly closed that gap – but often without a real ESG focus or with intransparent risks. That’s what we want to do differently.

Our answer:
HomeHarbor Capital translates the “classic” asset class real estate into a digital, EU-regulated and sustainable product that fits the values of the next generation: financial security, transparency and real climate impact.

4 · Product & structure

How does the HomeHarbor model work?

In short: One property is split into many digital shares. You can buy a part of it, receive a share of the rental income – and later offer your shares on a secondary marketplace if you want to exit.

Step 1: Project selection & structure

We select residential properties based on clear criteria (location, tenant structure, sustainability potential).
Each property is held via a dedicated special purpose vehicle (SPV) or similar structure.
Investors participate in these vehicles via crowdinvesting structures.

Step 2: Investment from €50

On the platform, you see key metrics: purchase price, rent, return scenarios, CO₂ impact.
You decide how much to invest (from about €50).
Subscription is fully digital – including identity verification (KYC).

Step 3: Ongoing rental income

The property’s rent flows into the project company. After costs, reserves and fees, net rental income is distributed to investors – proportionally to their shares.

Step 4: Marketplace for shares

In the future, you’ll be able to offer your shares on a secondary marketplace.
If a buyer is found, you can exit the investment without the property needing to be sold.
If no buyer is found for a longer period, investors can jointly decide to sell the property.

Step 5: Horizon+ – the sustainable retirement of tomorrow

With HomeHarbor Horizon+ we plan a solution that bundles multiple real estate investments and CO₂ impact into a kind of next-gen pension:

monthly savings plans from small amounts,
automatic diversification across many properties,
clear, understandable projections for potential payouts in retirement.

Important: Horizon+ is still in the concept phase and will only go live after licensing and legal validation.

5 · Climate & impact

CO₂ impact – but no greenwashing, please

Our ambition: every invested amount should have a clearly traceable climate impact. No “green label” marketing – but certified CO₂ certificates you can actually understand.

How we think climate impact:

A mix of CO₂ compensation and (where meaningful) efficiency upgrades on the properties,
use of certified CO₂ certificates (e.g. recognized standards or EU allowances),
transparent metrics: How much CO₂ is compensated per invested euro?

On the platform, you’ll later see via an interactive calculator how your investment translates into:

expected returns,
CO₂ reduction or compensation,
and a kind of “tree equivalent”

– without marketing tricks.

Simplified example: climate impact of a sample investment (for illustration only, figures are not binding).
Sample investment	Estimated CO₂ compensation p.a.	Roughly equivalent to
€50	e.g. 0.1 t CO₂	≈ a share of one short-haul flight per person compensated
€500	e.g. 1 t CO₂	≈ annual electricity use of a small household (depending on country)
€5,000	e.g. 10 t CO₂	≈ several years of driving a small combustion car

All concrete numbers and factors will be validated with experts before launch and documented transparently on the platform.

6 · Regulation & risk

Safety is not “nice to have” – it’s mandatory

Crowdinvesting always comes with risks. Period. Our job is to make these risks as transparent as possible – and to build processes that protect you as far as we reasonably can, without promising anything we can’t control.

ECSP license (planned)

HomeHarbor Capital is intended to be licensed as a European Crowdfunding Service Provider (ECSP). This implies among other things:

harmonized EU rulebook,
transparency obligations towards investors,
standardized risk and information sheets,
clear processes for complaints and conflict-of-interest handling.

We are currently preparing all required policies (KYC, AML, risk management, IT security) for the application.

KYC & anti-money laundering

Identity checks via specialized providers (e.g. video ID / auto ID),
monitoring of unusual transactions in line with AML rules,
documentation and reporting in accordance with regulatory requirements.

Key risk types

Real estate risk: Prices can fall and rental markets can change.
Rental default risk: Tenants can default or vacancy periods may occur.
Liquidity risk: You may not be able to sell your shares at any given time.
Regulatory risk: Laws can change, license processes can be delayed.
IT / platform risk: System outages or cyberattacks can temporarily limit access.

No BS promise:
There is no risk-free “safe zone” – every investment comes with risk. Our job is to explain those risks openly instead of hiding them behind marketing.

7 · Platform & experience

FinTech – but make it understandable and accessible

HomeHarbor Capital is not a PowerPoint idea – it’s being built as a real, modern web platform with a focus on user journey, transparency and accessibility.

Platform UX principles

clearly structured homepage with a focus on returns & climate impact,
investor-friendly funnel with an interactive calculator (returns + CO₂ effect),
motivation-based onboarding: “Calm retirement”, “Climate impact”, “Extra income”, etc.,
strong safety anchors: license status, risk disclosures, FAQs, transparent fees.

The platform will be multilingual (starting with EU languages) and will serve each country with localized content and regulatory notes.

Technical guidelines

responsive design (mobile first – optimized for smartphones),
accessible components (screenreader support, focus states, sufficient contrast),
no unnecessary tracking scripts, GDPR-compliant data handling,
modern, modular architecture so features like the marketplace & Horizon+ can be rolled out step by step.

In the future, the use of tokenization / smart contracts is also on the table to make some processes even more efficient and transparent – but only where it truly adds value.

8 · Business model

How does HomeHarbor Capital make money – and why is that fair?

A sustainable FinTech also needs a sustainable business model. Our goal is a clear, fair and understandable monetization that doesn’t secretly eat up your returns.

Planned revenue streams (selection):

Management fee on investments
e.g. around 1% p.a. up to a certain investment amount, with lower rates above that.
Project-level fees
fair structure for sourcing, structuring and managing real estate projects.
CO₂ compensation
small markup on CO₂ certificates to fund the infrastructure and due diligence.
Horizon+ (B2C & B2B)
long-term subscription / service fees for the sustainable retirement solution.
B2B models
e.g. partnerships with companies that offer HomeHarbor as a corporate benefit for employees (Horizon+ as a benefit).

Transparency over growth:
All fees will be explained in simple, concrete examples on the platform – including scenarios that show their effect on your net returns. No hidden front-end loads, no obscure kickbacks.

💡 “No Bullshit Fees”

📊 Net-return impact visible

🌱 CO₂ impact traceable

🤝 Long-term partnerships over quick exits

9 · Audience

Who is HomeHarbor Capital built for?

HomeHarbor is not a tool for high-frequency traders – it’s for people who want to build wealth calmly, with a plan and a good conscience – and who are willing to consciously take risk.

Typical profiles:

Gen Z & Millennials who started with ETFs and now want to move part of their money into real assets.
Impact-driven investors who want to combine returns & climate action.
Digitally savvy professionals who don’t want landlord life, but still want exposure to real estate.
Companies that want to offer a modern, sustainable benefit solution to employees (Horizon+).

Who we’re not targeting:
If you want to “get rich quick”, are purely speculative or ignore risks, this is not for you. HomeHarbor Capital is built for people who think long-term – about money and about the climate.

10 · Looking ahead

Roadmap & vision: what’s next?

HomeHarbor Capital is built for the long run. Our goal is not to quickly spin up a platform and then flip it – but to create a pan-European infrastructure for sustainable real estate investing.

Next steps (excerpt):

Completing e-residency & company formation in Estonia,
finalizing the ECSP license application including policies & IT proof,
finishing and testing the platform (incl. CO₂ calculator & project modules),
launching a pre-launch funnel page with a waitlist & first community,
onboarding the first real estate projects with a clear focus on housing & climate impact,
step-by-step rollout into further EU countries with local language & tax hints.

Our long-term vision:

HomeHarbor Capital as a leading impact platform for real estate in Europe,
Horizon+ as a next-gen retirement solution for people who think returns & climate together,
cooperative models with tenants (e.g. sharing in project success),
a strong community that co-creates – not just consumes.

We won’t have everything perfect on day one. But we commit to transparency, willingness to learn and one clear goal: aligning finance & climate action.

11 · Legal & notes

What you absolutely need to know

This part might not be sexy – but it’s one of the most important. Please actually read it.

No investment advice

This whitepaper is for information purposes only and does not constitute investment advice, a recommendation or an offer to buy financial instruments. All models and examples described are non-binding and may change.

Risk of losses

Investments in real estate crowdinvesting come with significant risks, up to a total loss of the capital invested. Past or simulated performance is not a reliable indicator of future results.

Platform status

At the time this document was created (as of December 2025), HomeHarbor Capital is in the process of preparing the ECSP license application and building the technical platform.

There is no public offer taking place yet.
All product features (e.g. marketplace, Horizon+) are subject to regulatory approval and technical implementation.

Tax notes

Any tax information (e.g. on withholding tax in Germany or other EU countries) is of a general nature and does not take your personal situation into account. For individual questions, you should consult a professional tax advisor.