Problem

Access to early-stage capital remains one of the most persistent challenges for both startups and individual participants in global markets.

According to a European Commission study (2020), 68% of startups in Europe struggle to secure the capital they need to grow and innovate — and 24% are forced to shut down due to lack of liquidity. This challenge is even more pronounced in developing economies, where traditional financing routes are limited, and bank loans often come with high interest rates and restrictive guarantees.

At the same time, retail participants face equally rigid barriers. High minimum ticket sizes, regulatory limitations, and geographic restrictions prevent most individuals from accessing the kinds of private opportunities that institutional players enjoy daily.

• In developing countries, only 15% of SMEs have access to traditional bank financing (IFC).

• In the U.S., only 1% of startups receive venture capital backing (NVCA).

• Among lower-income households, 44% are excluded from basic financial instruments like mutual funds due to minimum contribution thresholds (SEC).

This disconnect creates a systemic problem: a surplus of willing participants on both sides of the market — founders and individuals — but no infrastructure to connect them.

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💡 Why it matters

Despite the rise of digital assets and global financial innovation, private markets remain one of the most exclusive arenas in the world. Value creation happens early, but access happens late — or never — for most.

What the market needs is not just more capital, but a new mechanism for participation: one that is borderless, inclusive, secure, and transparent.

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🧱 Where Jolders fits

Jolders is built to address this gap. By creating a compliant infrastructure for fractional participation through tokenized wrappers, we enable individuals to access private opportunities that were once reserved for insiders — and at the same time, offer startups and funds a more agile path to reach committed capital.

Whether the opportunity is a high-potential startup or a curated institutional fund, Jolders provides the legal, technical, and strategic rails to align all sides — securely and at scale.