60 answers to understand Kontyr

Kontyr is an AI-native fintech for real estate, built for developers, managers, and sponsors. You can start with your company’s bank account and manage its cash through Kontyr. In the same relationship, you can add accounts for different projects and link the fiduciary arrangements or SPVs you need. On that financial foundation, Kontyr assesses opportunities, structures capital, and connects the management of your assets.

Managing real-estate capital and turning it into assets that perform takes too much time, money, and staff. Every project adds tasks and people to coordinate. Kontyr brings that work into one infrastructure so you can grow without growing your organization and costs at the same pace.

Our core is banking services for businesses, fiduciary services, and cash management. Your company can start with its bank account, then manage accounts for several projects and link its fiduciary arrangements or SPVs through Kontyr. Payments and collections connect to that core, although full integration remains in development. Capital and Investment structure and track investments. Leasing and Operations organize property work. Credit remains in development. Factoring and confirming are not part of the defined offering.

You can start with a bank account for your company, even if you are not opening an account for a project yet. Kontyr takes your application, assesses it, and manages the opening process. As your business needs grow, you can add accounts for different projects and link their fiduciary arrangements or SPVs within the same relationship. You can also add opportunity assessment, capital structuring, investment tracking, and asset management.

No. They are capabilities within one platform. You can start with your business account and later add project accounts, fiduciary arrangements, or SPVs. Add each capability as you need it. Capital assesses opportunities and structures capital. Investment shows how each investment progresses. Leasing organizes the leasing process. Operations organizes the work of the team running the property. You do not need to sign up for everything to open an account.

Kontyr is built for developers, managers, and sponsors who structure capital and move real-estate projects forward. They can work with each project’s money, decisions, and tasks in one place. This helps them manage more capital and assets without adding teams and systems at the same pace.

Today, Kontyr receives and processes applications for company accounts, project accounts, and fiduciary arrangements in eligible cases and countries. It also assesses opportunities, structures capital, and organizes information and decisions about assets. The fully integrated account experience, payments, cards, and credit remain in development. What you can use today depends on your case and country.

The relationship can start with your company’s bank account. You do not need an active project. Kontyr takes the application, assesses the case, and manages the opening process. From the same relationship, you can later add accounts for different projects and link the fiduciary arrangements or SPVs you need. If your structure calls for a fiduciary arrangement first, we review that option from the start. We show you which products are available and how they connect.

No. Kontyr is the fintech through which your company applies for and manages financial services. We run the experience, assess applications, and operate the product processes for both your company and its projects. Accounts and fiduciary arrangements are provided through authorized institutions, which hold the funds and are responsible for regulated functions. Each service identifies the institution and its responsibilities.

Not necessarily. Kontyr reviews the accounts and financial relationships your company already has and connects the information and processes it needs. Through Kontyr, you can organize your company’s cash and that of its different projects, together with the related vehicles, investors, and assets. If this requires another product or provider, you will see that condition in the relevant service.

Yes, when applications are available in your country and for your case. You can start with your company account. Kontyr takes your details, assesses the application, manages the opening process, and keeps you updated. You can then apply for separate accounts by property, project or purpose, such as operations, reserves or taxes, and link the relevant fiduciary arrangements or SPVs. This keeps money set aside for each use separate. Each account stays in its holder’s name, whether that is your company or the vehicle. A fully integrated account experience remains in development, and we tell you which features are available today.

To open your company’s account, have its legal name, activity, address, incorporation documents, and tax identification ready, along with details of its representatives and beneficial owners. We will also ask where the money will come from and how you will use the account. You do not need a defined project to apply for a company account. If you later open a project account or fiduciary arrangement, we will ask about that project, its vehicle, and how the funds will be used. We will tell you which additional documents are needed during each application.

Kontyr takes the application from your company or vehicle and assesses it with its technology. We tell you what is missing, which checks the product requires, and how the application is progressing. If account opening is available for your case and you meet the requirements, you open the account through Kontyr in the company’s or vehicle’s name. Timing depends on the documents and legal checks. If it is not approved, we explain what we can share about the outcome and whether there is another option.

Kontyr brings together cash, collections, payments, commitments and approvals for your company and its projects. See what comes in, what goes out and what remains to be paid, and connect spending to its vendor, category and account based on the information available. Your team decides who requests and approves each transaction. Kontyr records those steps and prepares the transaction under the agreed rules. From your phone, you can view the information and follow the status of your payments. Integrated payments remain in development. We tell you what information and actions are available in your case.

Tell us right away. If you do not recognize a transaction, also report it through the security channel of the institution holding the account. Kontyr reviews the request, approvals, and supporting records for connected flows and follows the case with you. We tell you which incident channel and rules apply. Response time depends on the institution processing the transaction.

Kontyr is developing integrated payments, cards, a wallet, financing, credit, and additional tools to plan a project’s liquidity. These products are not yet available to everyone. For each one, you can see who provides it, who can use it, where it works, what it costs, and its limits. Assessing a project with Kontyr does not mean financing has been approved.

Availability depends on the product and each country’s rules. Kontyr checks where your company is incorporated and, where relevant, where its vehicles and assets are located. We confirm whether you can apply for a company account and which project accounts, fiduciary arrangements, or additional capabilities are available. Not every feature is available in every country.

You can start with just your company’s bank account. You do not need several assets or an immediate project account. Kontyr takes and processes your application according to what is available for your case. As you move ahead with other projects, you can add their accounts, fiduciary arrangements or SPVs, and the assessment, capital, investment, and asset-management capabilities you need.

Tell us what your company does and what you need to solve in its cash management. Kontyr assesses the case and shows you the available company account or other starting product, its terms, and the opening process. If you already have projects, we identify which ones need their own accounts, fiduciary arrangements, or SPVs and how they will connect. You then choose the capabilities you need. You can review their prices and terms in Kontyr before accepting the agreement.

Not necessarily. We review the accounting, commercial, and operating tools you already use and agree which information is worth connecting first. Before enabling an integration, we check that it exists, what data it exchanges, how often it updates, and who maintains it. If you can only upload or download information for now, we say so clearly.

Kontyr charges a monthly fee for the paid plans you contract to manage your company’s cash, projects and assets. It also charges commissions on completed transactions and an agreed percentage of governed capital in fiduciary, leasing and placement services. Client funds are not Kontyr revenue. Our revenue comes from the charges defined for each service.

Starter has a monthly plan fee of USD $0 per company. Growth costs USD $299 per month per company and adds cash management and project and asset solutions within the agreed scope. Enterprise has custom pricing and adds fiduciary services and capital governance. Transfers are charged separately. Enterprise also includes an agreed percentage of capital governed in a fiduciary structure, with a defined calculation basis and period. Your company pays for the services it contracts. Review Pricing and the applicable terms before digitally accepting the agreement. An investor, resident or vendor pays only if the service they use expressly sets out that charge.

Kontyr grows as more companies use the platform and as each one structures more deals, manages more resources, and completes more transactions. Governed capital is the money and commitments your company manages with Kontyr. You can see which deal they belong to, who approves their use, and what results they produce. We charge commissions on completed transactions and an agreed percentage of that capital in fiduciary, leasing, and placement services. By using the same technology for more activity, we can grow without growing our team and costs at the same pace.

A Design Partner works with Kontyr on a real problem and asset while testing a specific capability. That does not mean the entire vision is already available. Email equipo@kontyr.com or use the contact form. Tell us who you are, what asset you have, and what you need to solve. We will tell you what we can work on today and what would come next.

The money belongs to the holder of each product, which may be a person, your company, or a vehicle. It stays in the account, fiduciary arrangement, or structure of the institution providing the service and does not become Kontyr’s money. That institution makes transactions under the applicable authorizations. From the start, you can identify who provides the service, who owns the money, and who is authorized to give instructions.

Each person sees and does what fits their role and the asset or vehicle they work with. Finance tracks obligations. Development reviews contracts and decisions. Operations handles requests and costs. A resident cannot see investment information, and an investor does not automatically access other projects. When you activate the service, you review with Kontyr who can view, change, or approve each action.

Yes. The agreement sets out which data and documents you can download, in what format, and how long they are kept. When the service ends, Kontyr gives you the information you are entitled to. The bank or fiduciary separately keeps the records the law requires it to retain.

Kontyr is responsible for the experience you contract. It receives and processes applications, runs platform workflows, records approvals, and follows up. Authorized institutions are responsible for accounts, custody, and other regulated financial functions, under the relevant supervision in their countries. The owner or operator is responsible for on-site property services. Each service identifies the responsible party and its support channel.

No. A sound structure and better information help you understand risk and decide, but they cannot prevent delays, cost overruns, market changes, or losses. Kontyr also does not guarantee a return, repayment of capital, or approval of financing.

Kontyr Intelligence is Kontyr’s intelligence layer. It works with asset information you are allowed to access and brings together the context your team needs to make decisions. In available features, it finds documents, links expenses to contracts, and flags upcoming obligations. It shows what happened, which source supports it, and what needs attention. Available features depend on the implementation.

Kontyr Intelligence uses connected sources authorized for each process, such as documents, project data, and work records. It flags missing information or conflicting sources. The responsible person checks the source and corrects or discards the answer before using it for a sensitive decision. Each available feature explains how that correction is recorded.

No. Kontyr Intelligence prepares information and suggests a next step, but it does not decide on money, contracts, or legal rights by itself. Those actions require permissions, limits, and responsible people. The financial institution and authorized people retain the decisions assigned to them.

Yes, in available features. Kontyr records who approved a decision, when, what evidence supported it, and what changed afterward. Before enabling a sensitive action, we agree with you on what history the process keeps and what information comes from other systems.

Kontyr limits access to information according to each person’s role and relationship with the asset. Our policy on kontyr.com explains how website and contact data are handled. The portals and services have specific agreements. Before sharing information about your project, you can learn what data is used, who has access, which providers process it, and how to request a correction or export.

Because a good location or an attractive spreadsheet is not enough to justify an investment. Price, demand, permits, space, costs, and timing all have to work together. Finding a problem early can save you a lot of money later.

Bring whatever you have about the land or asset, the product you have in mind, applicable rules, the market, costs, timing, and how you plan to finance it. You do not need every answer yet. We start by separating what you know from what you are still assuming.

Kontyr compares property data with the market, demand, rules, product, costs, and timing. It shows where comparables come from and whether they really resemble your project. It also flags when zoning rules out an idea that looked good on paper. You can then see what supports the opportunity and what still needs checking before you decide.

We show you the gap as it is, without filling it with assumptions. A figure backed by a contract is not the same as an estimate. If two sources conflict, your team can keep working with what it knows, but it must resolve that point or acknowledge the uncertainty before making a decision that depends on it.

A project can look attractive because of its location or design and still lose money. To be viable, demand, revenue, costs, permits, timing, and financing must all hold up together. Kontyr brings the project information together, separates verified facts from assumptions, and tests what happens when key variables change. You can see what supports the opportunity, what still needs checking, and whether to proceed, adjust, or stop before committing more capital.

Yes, when this feature is available for your project. Kontyr keeps the original plan and tests changes in price, cost, design, or sales pace separately. It shows how far each factor would need to move to reach the return you want and what that would do to the result. A model that balances does not mean the market will pay that price or that the design will be approved. Scenarios help you decide, but they do not promise a return.

You can move ahead, adjust the plan, wait for a decisive fact, or pass on the opportunity. Kontyr shows you the evidence and risks behind each path. The decision stays with the authorized person or committee. A recommendation from Kontyr or Kontyr Intelligence does not replace their approval.

The initial assessment does not disappear when execution begins. Kontyr connects what you expected in revenue, costs, timing, and risk with capital, contracts, and what actually happens in the asset. If you change the plan, you can see what was expected, what happened, and who approved the adjustment. Your team can act before the gap grows.

Structuring capital means agreeing who contributes, through which vehicle, what rights they receive, how the money will be used, and who approves important decisions. Kontyr builds that structure, organizes its documents and commitments, and tracks its execution. It also makes the investment’s objectives and limits clear, along with the conditions for changing the plan or distributing proceeds. Decisions that require approval remain with authorized people.

Yes. An SPV is a vehicle created for a specific project or investment. Kontyr delivers and sets up the agreed structure, which may be a fiduciary model in Colombia or an LLC in the United States. It manages formation with the necessary professionals and connects the vehicle to the project, participants, commitments, and decisions. If interests in an LLC are offered, the offering follows applicable rules, including Regulation S or Regulation D where relevant. Those rules govern the securities offering, not the formation of the LLC.

A fiduciary arrangement lets a fiduciary manage assets or funds under a contract. If your project needs one, Kontyr designs and delivers the model, manages its setup, and connects the vehicle, participants, capital, and decisions on the platform. The fiduciary holds and manages the funds under the contract. You follow the process through Kontyr.

Yes. Kontyr starts with your company, the accounts, and the vehicles you already have. We review which information and processes to connect, then bring your company accounts, project accounts, and existing fiduciary arrangements or SPVs into one relationship. Using Kontyr does not require a new vehicle or, by itself, change account ownership, asset ownership, or rights already agreed.

Kontyr gives your company the infrastructure to organize and publish an opportunity, bringing the asset, market, figures, assumptions, risks, and participation structure into one place. Your company decides what to share and under what conditions. An interested investor can view the opportunity from their account and apply to participate if they meet the requirements. Kontyr organizes applications and documents; it does not guarantee that you will raise capital.

No. Kontyr does not seek investors for your project, recommend an investment to them, or sell interests on your company’s behalf. Your company publishes the opportunity on the platform and decides who may see it, what to share, and under what conditions. An interested investor views it from their account and applies to participate. Kontyr provides the technology for that process; your company and the investor make their respective decisions.

If the company responsible has published an opportunity you are allowed to view, Kontyr shows you the project, how to participate, the main costs and risks, the rights you would receive, and the relevant documents. You can also see what information you will receive after investing and who is responsible for it. Kontyr does not decide for you or recommend the investment. The details follow the rules of the vehicle and the country.

If the company responsible enables tracking in Kontyr, you can follow important developments in the project and your participation, according to your rights and the information the vehicle must give you. Updates connect your capital to what happens in the asset, so you do not have to piece the story together each time a report arrives.

Kontyr keeps the previous plan and records what changed, why, how it affects the project, and who approved it. It also connects the budget, contracts, payments, and decisions. The team and authorized investors can then understand the difference between the plan and what happened. A clear record does not undo a delay or recover a loss.

When you refinance, distribute proceeds, or sell the asset, Kontyr carries out the agreed process for the vehicle. It records the decision and approvals, calculates what each participant is owed, and gathers the supporting records. Smart contracts check the agreed conditions and present the action for human approval. After that approval, Kontyr carries the distribution through the fiduciary arrangement, which holds the funds and makes authorized disbursements. Each participant can see how the money was used and distributed and what they received.

Kontyr runs the digital workflows behind property operations. It brings requests, collections, maintenance, vendors, and tracking together. The owner, property manager, and their teams still look after the property and make the decisions assigned to them. They can work with fewer manual tasks, lower costs, and more control.

Yes. Kontyr works with the property manager and team you already have. It brings occupancy, collections, requests, vendors, and costs together so they can prioritize work and use resources better. They can operate at lower cost and focus on stabilizing the asset or improving its performance. It does not change who manages the property.

Kontyr Leasing follows a person from searching for a space through using it. In properties where it is available, it brings the application, documents, contract, and occupant requests into one journey. Commercial decisions stay with the owner or operator.

If the property uses Leasing, you can explore spaces, compare options, and apply. After you move in, if the owner enables these features, you can view your contract, make requests, receive updates, or book services. Payments depend on the available features and providers. The property team still handles what happens on site.

Because it reduces manual coordination without taking control of operations away from the operator. Kontyr brings requests, communications, maintenance, and vendors into shared workflows. The operator still provides the service, can serve more residents and assets, and spends more time on cases that need attention. It also shows the owner occupancy, collections, and activity. When another asset is added, the setup can be reused within the contracted scope.

In properties where these features are available, Kontyr brings requests, documents, maintenance, reservations, communications, and open tasks together. The team assigns the work. Each contractor or vendor sees only what they need. Work orders, invoices, and repairs stay linked to the asset so the team knows what was resolved and what is still open.

Kontyr puts the plan beside what is happening with occupancy, collections, revenue, and costs. If vacancy rises or maintenance costs more than expected, your team sees the gap and decides what to do. An asset is stable when revenue and collections cover its costs and obligations with enough consistency. No single occupancy rate works for every property. Kontyr shows the signal, and the owner and operator act.

It also works for hotels. Kontyr covers housing, professionally managed residential rentals, flexible stays, and hospitality. In a hotel, bookings, length of stay, service, and daily costs work differently. Where the features and integrations are available, Kontyr connects those details to the property’s financial results. The hotel operator still looks after guests and runs day-to-day operations.