Onboarding

1. Onboarding at ARQOS X is structured as a seamless entry process to ensure capital is fully deployable under institutional standards without unnecessary delays.
   

   • Investor Profiling: Each client undergoes suitability assessment (risk appetite, liquidity preferences, investment horizon) along with mandatory KYC and AML verification.
   • Tier Selection: Investors select their tier based on capital allocation, asset class access, and support requirements. Our team assists in determining the tier most aligned with objectives.
   • Custody Setup: Accounts are opened with regulated third-party custodians, ensuring assets are held securely under a segregated structure. Clients retain full legal ownership while ARQOS X operates under discretionary mandates for execution.
   • Funding Process:
     • Standard accounts are crypto-native, enabling rapid deposits and withdrawals.
     • Fiat rails are available through integrated regulated partners for investors preferring traditional transfer methods.
     • Tier 4 (Max) clients may establish direct bespoke account lines with fiat/crypto interoperability and customized treasury structuring.
   • Initial Allocation: Once funding is confirmed, allocations are deployed, respecting both capital tiering and investor-specific mandates.
   • Orientation: Clients receive an overview pack including strategy allocations, fee schedule, liquidity calendar, and reporting framework.

Tiered Access

Investor access is structured into four tiers, scaling by capital, strategy access, advisory depth, and private market opportunities.

1. Tier 1: Base
   Capital: $1,000 – $24,999 — Foundation exposure, 1 asset class, quarterly rebalancing.
   Foundation management for first-time capital.
   
   Access to ▾

   • Managed in one chosen asset class (Stocks or Crypto)
   • Guided allocation
   • Quarterly rebalancing
   • Standardized risk controls
   • Scheduled reporting with real-time adjustment suggestions
2. Tier 2: Plus
   Capital: $25,000 – $249,999 — Two asset classes, priority support, semi-annual rebalancing, standard tax-loss harvesting.
   Multi-market exposure with structured diversification.
   
   Access to ▾

   • Managed allocation across two asset classes (Stocks + Crypto)
   • Tailored allocation and diversification models
   • Scheduled rebalancing
   • Tax-loss harvesting applicable
   • Risk-adjusted allocation with drawdown protection
   • Scheduled reporting with real-time adjustment suggestions
3. Tier 3: Prime
   Capital: $250,000 – $999,999 — Full multi-asset access, dedicated account manager, enhanced tax optimization, advanced rebalancing.
   Full-spectrum management with advanced portfolio setups and dedicated guidance.
   
   Access to ▾

   • Managed allocation across four asset classes (Stocks / Crypto / Commodities / ETFs)
   • Dedicated account advisory
   • Tailored portfolio structuring (AI, DeFi, ESG)
   • Dynamic rebalancing with tactical overlays
   • Periodic portfolio restructuring to optimize allocations
   • Risk-adjusted allocation with drawdown protection
   • Automated tax-loss harvesting
   • Scheduled reporting with real-time adjustment suggestions
4. Tier 4: Max
   Capital: $1M – $5M — Bespoke structuring, private markets access, direct senior advisor access, AI-driven tax optimization, invitation-only opportunities.
   Bespoke management with private markets exposure, advanced portfolio setups and dedicated guidance.
   
   Access to ▾

   • Managed allocation across all prime asset classes plus Private Equity, Pre-IPO ventures, and Derivatives
   • Dedicated account advisory
   • Tailored portfolio structuring (AI, DeFi, ESG)
   • Dynamic rebalancing with tactical and hedging overlays
   • Strategic portfolio restructuring for long-term optimization
   • Risk-adjusted allocation with drawdown protection
   • Automated tax-loss harvesting
   • Scheduled reporting with real-time adjustment suggestions

Investment Operations

Systematic Rebalancing of portfolios to maintain target weights, strategy allocations, and risk exposures:

1. Tier 1: Quarterly fixed-cycle rebalancing.
2. Tier 2: Monthly rebalancing with volatility adjustment.
3. Tier 3: Advanced model-driven rebalancing with adaptive thresholds.
4. Tier 4: Bespoke rebalancing tailored to liquidity preferences, hedging overlays, and tax optimization.
5. Position Sizing: Allocations are calibrated per strategy based on liquidity, volatility, and risk. Exposure caps prevent over-concentration in single assets or strategies.
6. Risk Controls:
   • Fixed stop-loss parameters embedded into all strategies.
   • Strategy-level diversification with cross-asset balancing.
   • Tier 3 & 4 benefit from dynamic hedging overlays (options, futures, structured products).
7. Tax-Loss Harvesting:
   Structured realization of losses to offset taxable gains, enhancing after-tax performance.
   • Tier 2: Standard implementation at rebalance events.
   • Tier 3: Enhanced, multi-asset implementation.
   • Tier 4: AI-driven optimization across digital and traditional assets with bespoke structuring.

Account Infrastructure

1. Funding & Withdrawals:
   • Crypto-native accounts serve as the default operating structure, enabling fast deposits and redemptions.
   • Fiat funding lines are available via regulated partner integrations.
   • Tier 4 (Max) clients may establish direct account lines, offering full fiat/crypto interoperability and treasury structuring flexibility.
2. Liquidity Windows:
   • Withdrawals are processed during quarterly liquidity windows, requiring 30 days’ prior notice.
   • Requests are executed in an orderly manner to protect investor capital and maintain strategy integrity.
3. Private Market Access:
   • Exclusive to Tier 4: Pre-IPO allocations, private equity, early-stage crypto, structured commodity derivatives.
   • Subject to deal-specific agreements, suitability requirements, and investor accreditation.

Ongoing Support & Advisory

1. Tier 1: Foundation Support
   Standard servicing, quarterly performance reviews, portfolio transparency.
2. Tier 2: Priority Support
   Priority response times, strategy insights, periodic reviews, tax optimization guidance.
3. Tier 3: Dedicated Relationship
   Assigned account manager, proactive rebalancing advisory, enhanced reporting, bespoke structuring consultations.
4. Tier 4: Exclusive Advisory
   Direct senior partner access, one-on-one structuring sessions, access to private market opportunities, custom allocation design.

Reporting & Transparency

1. Quarterly Performance Reports
   Detailing returns, allocations, realized/unrealized gains, risk metrics, and rebalancing events.
2. Fee Reporting
   Full breakdown of AUM, execution, and performance fees. No hidden charges.
3. Global Consistency
   Reports are standardized across regions, ensuring clarity for globally diversified investors.