> For the complete documentation index, see [llms.txt](https://triple-plus-global.gitbook.io/tpt-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://triple-plus-global.gitbook.io/tpt-whitepaper/protocol-mechanics/for-investors.md).

# For Investors

{% @mermaid/diagram content="flowchart TD
A\["1️⃣ Access Platform"]
B\["2️⃣ Browse & Analyze"]
C\["3️⃣ Invest"]
D\["4️⃣ Monitor"]
E\["5️⃣ Collect Yield"]

```
A --> B --> C --> D --> E

A -.- A1["Stake TPT tokens<br/>Complete KYC"]
B -.- B1["Review opportunities<br/>Assess risk/return"]
C -.- C1["Commit capital<br/>Full or fractional"]
D -.- D1["Track performance<br/>Receive updates"]
E -.- E1["Collect at maturity<br/>Reinvest or withdraw"]" %}
```

{% stepper %}
{% step %}

### Access Platform

Investors gain platform access by:

* Completing KYC verification
* Staking TPT tokens (amount determines access tier)
* Connecting a supported wallet
  {% endstep %}

{% step %}

### Browse & Analyze

The marketplace displays available opportunities with key metrics:

| Metric               | Description                 |
| -------------------- | --------------------------- |
| **Face Value**       | Total amount at maturity    |
| **Discount Rate**    | Current pricing             |
| **Implied Yield**    | Annualized return           |
| **Days to Maturity** | Time until payment          |
| **Debtor Rating**    | Creditworthiness assessment |
| **Seller History**   | Track record on platform    |

Investors can filter by asset type, yield range, maturity, debtor quality, and other parameters.
{% endstep %}

{% step %}

### Invest

Investment options include:

| Option                 | Description                                |
| ---------------------- | ------------------------------------------ |
| **Full Purchase**      | Buy entire asset                           |
| **Fractional**         | Purchase a portion (subject to minimums)   |
| **Pool Participation** | Invest in diversified asset pools (future) |

Capital is committed via smart contract. Once funded, the investment is locked until maturity.
{% endstep %}

{% step %}

### Monitor

During the holding period, investors can:

* Track asset status in dashboard
* Receive notifications on payment events
* View portfolio performance metrics
* Access debtor updates if available
  {% endstep %}

{% step %}

### Collect Yield

At maturity:

1. Debtor payment received by smart contract
2. Principal + yield calculated
3. Funds available for withdrawal or reinvestment
   {% endstep %}
   {% endstepper %}

***

### Understanding Yields

Expected yields of 5-10% APY derive from:

| Factor              | Impact                                       |
| ------------------- | -------------------------------------------- |
| **Discount Rate**   | Typically 1-3% per 30 days                   |
| **Annualization**   | 30-day invoice at 2% discount ≈ 24% APY      |
| **Risk Adjustment** | Higher-risk debtors command higher discounts |
| **Market Dynamics** | Supply/demand affects pricing                |

{% hint style="info" %}
Yields are not guaranteed. Actual returns depend on successful debtor payment.
{% endhint %}