Frequently Asked Questions


What is Koia?


Koia enables anyone to invest in what they know and love via the Koia mobile app. We allow investors to invest in alternative assets, such as fine wine and watches, starting from just €50.

How does it work?


At Koia, we source, verify and acquire unique and rare alternative assets. Each asset is owned by a separate legal entity and as an investor, you can invest in each of these companies by buying ‘fractions’ via the Koia mobile app.

Fractions are priced at €50, meaning you can get started with any budget. Your investment return depends on the price of the underlying asset. If the asset is sold for a profit, that profit is distributed to investors in the form of interest. You can also sell your fractions before the asset is sold off via Koia’s secondary market*

*Secondary market coming soon.

Who is behind Koia?


Koia was founded by Ben Riazy, Richard Draper and Iris ten Teije. 

All three co-founders have spent most of their careers working in banking and fintech and their experience across mobile app development, marketing and wealth management makes them the perfect team to bring a new investment app to market.  

You can read more about us and why we are building Koia here:

Alternative Assets

What are alternative assets?


Alternative assets are any assets that are not stocks or bonds. It can include assets such as real estate, startups or collectibles.

At Koia, our focus is on collectibles, such as fine wine, watches and whisky. Collectibles are goods that are typically limited in supply and are often characterised by the fact that their current price exceeds the price that they were originally sold for when produced. Find out more in our beginner’s guide to alternative investments.

Why should I invest in alternative assets?


There are a number of reasons why alternative assets can make a great addition to your investment portfolio. The most important reasons include:

• Potential to appreciate in price *
• Own a piece of an iconic asset
Portfolio Diversification

Read our post on reasons to invest in alternative investments to learn more.

* Collectibles can go up and down in value and you may receive less back than what you originally invested. 


What are your fees and charges?


We want to make investing in alternative assets as accessible as possible, not only removing the hassle, but also making the process as affordable as possible. 

When you buy a fraction, there are two fees that you’ll need to pay. You’ll see one fee for “storage and insurance” in the app. This fee is variable based on the asset and how much it costs to store and insure the asset. We display both the percentage and absolute fee amount at checkout in the Koia App. The fee covers the storage and insurance for multiple years, based on the estimated average holding period of our assets. 

The second fee is a fractionalisation fee of 1.5%, used to cover costs to fractionalise the asset, such as setting up and managing independent companies to hold the asset; you’ll also see this displayed in the app when checking out. We do not charge separate annual management fees. 

See our Fees page for more details.

What happens if I want to sell?


As with most investments, long-term investing can increase your chances for better returns. On average we expect to sell assets within a multiple year time frame. If the asset is sold for a profit, the profit is distributed amongst investors, which is how you can make a return on your investment.

However, if you don’t want to wait until the asset is sold, you can sell your fractions via Koia’s secondary market*

* Secondary market coming soon

How do you decide when to sell an asset?


An asset can be sold when a 60% majority of investors agree to sell the asset. This process works via a vote in the app. Koia accepts inbound offers but will also pro-actively solicit offers.

There is no fixed minimum or maximum period for which an asset will be held. However - as per our terms - after a 5-year period anyone not voting will be counted as accepting the offer and before 5 years not voting will be counted as a rejection.

How much money do I need to get started?


Our fractions are priced at €50, which is the minimum amount required to get started. The number of fractions depends on the value of the asset (e.g. a €50,000 asset will have 1,000 fractions) and you can buy as many available fractions as you like.

What payment methods do you accept?


You can top up your Koia Account via bank transfer. Your Koia Wallet is denominated in euros. The exchange rate will be determined by your bank and we do not charge any FX fees. 

How does Koia make money?


Our primary revenue stream comes from a “sourcing fee” charged to the seller, similar to how a company like  Amazon charges sellers to sell via their platform. 

Investments & Assets

What are the risks?


Investments offered by Koia involve risks. Collectible assets are non-traditional and carry a number of risks including - but not limited to - volatility and illiquidity.

Volatility: As with all investments, collectibles can go up and down in value and you may receive less back than what you originally invested. 

Liquidity: Collectibles are illiquid and as an investor there is no guarantee there is a buyer for the asset or your fractions at the time you want to sell. Only investors with the ability to invest with a long (5+ years) time horizon should consider using the platform. 

Collectibles often have high transaction costs as well as significant costs associated with storage and insurance that may reduce investment returns; storage and insurance fees are collected upfront and shown in the Koia App.

Each asset is unique with multiple factors influencing its value ranging from demand for luxury goods, to tariffs or changing fashion trends. It is important for investors to understand this complexity and be able to tolerate high risks and low liquidity. We do not provide investment or tax advice and individual investors should make their own decisions or seek independent advice before proceeding. 

What return should I expect from investing with you?


Historical returns vary for each alternative asset class. You will be able to view the price history of each asset that we list in the asset detail page in the Koia App.

To give some examples of the asset classes we are launching with: fine wine has appreciated 62% in value over the past 10 years and 45% over the past 5 years. Rare whisky has appreciated 586% in value over the past 10 years, with average annualised returns of 21%.* Moreover, volatility across both asset classes has been lower than that of the stock market, making our initial asset classes a great choice for both diversification and capital growth purposes. As with any investment, historical returns are no guarantee for future results.

*data: Knight Frank Wealth Index

How do you track performance?


We obtain our pricing data from a variety of global sources, such as Liv-ex for wines and PWCC for trading cards. For more illiquid assets and very limited edition collector items where readily available data is not available, we will show previous sale prices, for example from auctions, or for comparable items.

How do you select items and make sure they are authentic?


The first step before listing any asset on the Koia App is sourcing the right assets. Currently, we only source from professional sellers with strong track records and warranties to ensure provenance and authenticity. Where required we also verify with an independent third-party.

How do I know you select the right items for me to invest in?


We work with experts in each field to help us source the best possible assets. However, it’s important to remember that although we curate assets, you as an investor still need to make an informed decision and we do not provide any form of investment advice. 

As with any investment, we cannot guarantee returns and investment returns are dependent on the performance of the underlying asset.

What do the asset scores (Brand, Rarity & Risk Level) represent and how do you calculate them?


We wanted to create a simple and standardised way to help users quickly compare and contrast assets on our platform. These measures are derived from a combination of data driven analysis alongside a human touch. To start, we have created three core metrics:

- Brand
- Rarity
- Risk Level

Each metric is rated on a scale of 1-10, with 1 being lowest and 10 being the highest score.

Brand measures the strength of a brand and includes factors such as its global recognition, current perception with consumers and its perceived desirability. 

Rarity relates to how unique or hard to source an item is. Items produced in low numbers or with significantly diminishing supply will score more highly on the rarity scale. 

Risk Level provides a rough indication of how illiquid, volatile and speculative an asset is. As an example, many crypto currencies or a Pokemon card would score 10 on our scale, whereas as a developed market government bond would rank as 1 or 2. It’s worth noting that alternative assets carry unique risks and this metric should not be relied upon when making your investment decision.

What time horizon should I be looking at before I invest?


While you can sell fractions via our secondary market*, collectible items often need to be held for a number of years to realise a return. Investors should have a 3+ year time horizon, and liquidity cannot be guaranteed on the secondary market. 

* secondary market coming soon

Where are the assets stored?


Assets are stored in specialised storage facilities, depending on the asset class. Our fine wine is stored in a bonded warehouse and watches are stored in a safety deposit box. You can read more about storage location in the asset details page of the app.


Is this safe and secure? What happens if you go bankrupt?


Assets are sourced, acquired and verified by Koia. At that point, the asset is placed within a separate company, unique to that asset. You invest in the company that owns the underlying asset.

As the company owning the asset is separate from Koia, it means that if Koia were to go bankrupt your assets are held by independent companies and a third-party would be appointed to administer the asset sales and investors would be entitled to the proceeds of the sale.

We are not a fund and do not pool our customers' money to buy assets as part of a larger portfolio.

How is my money stored?


When you’ve finished the verification process and are approved by our regulated banking partner, you’ll get a unique IBAN in your own name and your money is held in a segregated account at a licensed bank. This means that if anything were to happen to Koia, your funds are safe.  

I have other questions


If you have any other questions, would like to chat or give feedback, please don't hesitate to contact us via and we'll get back to you as soon as possible!